Quote:
Originally Posted by 808c2s
Kent,
I'm surprised how calm I was when this happened. I think I was in shock. .
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I'm in shock looking at it and it's not even my car . It looks like structural integrity is spared My insurance will cover up to 30K of customizations if they disclosed . Beyond the 30K the owner is either on his own with replacement or they can recommend another insurance . Liability is covered but disclosure is a must. If you never informed your insurance it I do recommend that you do .
This accident however is not your fault --which makes it a different ball game than if it was. If your claim for full replacement is denied I suggest you then consult an attorney. He can address the legal matters of payment between her and your insurance . Take pictures , have receipts, same all documentation .
Good luck.