Insurance claim - Club700XX - Honda TRX700XX Forum
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post #1 of 20 Old 03-20-2010, 05:35 PM Thread Starter
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Insurance claim

I just wrecked my quad pretty hard. I bent the upper and lower A-arms, broke aftermarket bumper, bent one shock and more possible damage. I was wondering if i turn this into my insurance for my quad, is there any possible way of getting aftermarket parts instead of OEM? Any info would be helpful. Any maybe any possible quotes on those parts would help also. Thanks
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post #2 of 20 Old 03-20-2010, 05:40 PM
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I seriously don't see that happening. Most insurance companies would never allow that unless you had stipulations on your policy that accounted for all of the increased value accessories. Not to mention that is considered insurance fraud.

I suspect you'll see a drastic rise in your motorcycle insurance premium the next time it renews as well.

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Renthal 13T Front Sprocket
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post #3 of 20 Old 03-20-2010, 06:02 PM
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not to mention a lot of atv/OHV insurance does not cover collision
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post #4 of 20 Old 03-20-2010, 08:11 PM
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It should be covered. I checked with my insurance and it covers if I wreck it or if it is stolen. The OEM replacement parts might actually be nice because if you look into it stock parts actually cost more than 90% of the aftermarket stuff! Now I know all insurance is different but the way mine works is they would determine the damage then cut me a check for the amount to replace the parts and sometimes that would cover labor too! So if you are handy and your insurance works like mine then you could walk away in pretty good shape.

Have you talked to them yet to see what your insurance covers? Here is a link to a parts fiche for the 700xx. It lists the cost of the stock parts replacement. Hope it helps and you are ok.

http://www.nielsens.com/fiche_select...008&fveh=20221

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post #5 of 20 Old 03-20-2010, 08:30 PM
 
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post #6 of 20 Old 03-21-2010, 09:14 AM
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Lots of times if you work it with them and buy the parts and install them then turn in the reciepts there is no problem if the dealer does the work they will install oem parts lots of time the aftermarket are cheaper but you know how dealers are they sell their parts. I know on several of my truck wrecks that how it worked for me good luck and sorry for the crash.
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post #7 of 20 Old 03-21-2010, 09:21 AM
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That sucks man. Sorry to hear that. At least you came out OK. I would talk to your insurance you might be able to do it if you install yourself.

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post #8 of 20 Old 03-21-2010, 05:28 PM
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troytrx is right, normally the insurance company wants you to get a quote to have it repaired, they write you a check for that amount, who cares what type of parts you use, might come out cheaper with some money left over for something else

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post #9 of 20 Old 03-21-2010, 08:19 PM
 
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You can get aftermarket parts. As long as there not more than the OEM ones. If they are more you can pay the difference.

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post #10 of 20 Old 03-22-2010, 06:25 PM
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Well, if you need a new pair of front shocks I got a brand new set that I will sell you . & I am sure there are some here that will have a set of stock a-arms that they just took off to put on some Housers or whatever? hell you could take the ins. $$ & buy new take off parts & spend the left over on the big 3..LOL

Glad you were not hurt too!

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