Insurance and OEM Lip Kit?

Thread Tools
 
Search this Thread
 
Old 06-09-2008, 08:33 AM
  #1  
Awesome Memeber
Thread Starter
iTrader: (1)
 
SSTL's Avatar
 
Join Date: Aug 2007
Location: Mississauga, Ontario, Canada
Age: 42
Posts: 463
Likes: 0
Received 1 Like on 1 Post
Insurance and OEM Lip Kit?

Well I finally collected a full lip kit set and just received the spoiler over the weekend. I should have them painted and installed before the end of the month.

My question is...once installed, if I were to get into an accident or something (God forbid). Since my car didn't come with the kit originally...would the insurance company replace the lip kit and spoiler if they were damaged? If not is there a way to get them to cover that as well?

Thanks!

SSTL
Old 06-09-2008, 09:13 AM
  #2  
Advanced
 
kadabra's Avatar
 
Join Date: May 2008
Age: 53
Posts: 83
Likes: 0
Received 0 Likes on 0 Posts
I know that my insurance company doesn't cover aftermarket installs but every company is different. I'd ask them as they can give you a better answer than anyone here.

Which body kit did you purchase? I can't find OEM anywhere.
Old 06-09-2008, 09:23 AM
  #3  
Meridian
iTrader: (8)
 
VoLLy's Avatar
 
Join Date: May 2005
Location: Canada, Ontario, GTA
Posts: 5,071
Received 32 Likes on 31 Posts
They probably don't know that you didnt have it before (unless they took a photo beforehand). And the kit is OEM so im pretty sure you can get it covered.
Old 06-09-2008, 09:44 AM
  #4  
Senior Moderator
 
fsttyms1's Avatar
 
Join Date: Aug 2002
Location: Appleton WI
Age: 49
Posts: 81,383
Received 3,063 Likes on 2,119 Posts
Originally Posted by kadabra
I know that my insurance company doesn't cover aftermarket installs but every company is different. I'd ask them as they can give you a better answer than anyone here.

Which body kit did you purchase? I can't find OEM anywhere.
But the kit isnt aftermarket. Its OEM.
Old 06-09-2008, 09:50 AM
  #5  
Advanced
 
kadabra's Avatar
 
Join Date: May 2008
Age: 53
Posts: 83
Likes: 0
Received 0 Likes on 0 Posts
He didn't specify that it was OEM, he said he collected a lip kit, which sounded like aftermarket to me.
Old 06-09-2008, 09:52 AM
  #6  
Meridian
iTrader: (8)
 
VoLLy's Avatar
 
Join Date: May 2005
Location: Canada, Ontario, GTA
Posts: 5,071
Received 32 Likes on 31 Posts
Originally Posted by kadabra
He didn't specify that it was OEM, he said he collected a lip kit, which sounded like aftermarket to me.
But it says OEM Kit in the title of the thread.
Old 06-09-2008, 10:09 AM
  #7  
Advanced
 
kadabra's Avatar
 
Join Date: May 2008
Age: 53
Posts: 83
Likes: 0
Received 0 Likes on 0 Posts
lol, oh, well, if you expect people to read the ENTIRE message, sure.

I'll shut up now. It was only a suggestion to call the insurance co. My bad.
Old 06-09-2008, 10:21 AM
  #8  
Awesome Memeber
Thread Starter
iTrader: (1)
 
SSTL's Avatar
 
Join Date: Aug 2007
Location: Mississauga, Ontario, Canada
Age: 42
Posts: 463
Likes: 0
Received 1 Like on 1 Post
Originally Posted by kadabra
I know that my insurance company doesn't cover aftermarket installs but every company is different. I'd ask them as they can give you a better answer than anyone here.

Which body kit did you purchase? I can't find OEM anywhere.
I got the front and back from a guy in Toronto who was parting out his 2g TL since he had just bought a 3g TL, also bought the WW side skirts he was selling but then I found the OEM side skirts from ebay. Still gotta sell the WW, if ur interested.

Originally Posted by VoLLy_1llusioNz
They probably don't know that you didnt have it before (unless they took a photo beforehand). And the kit is OEM so im pretty sure you can get it covered.
They never took a picture of the car, all I did was fax in the info and they insured me. But I will probably give them a call and make sure.

Thanks for help guys
Old 06-09-2008, 10:28 AM
  #9  
Advanced
 
kadabra's Avatar
 
Join Date: May 2008
Age: 53
Posts: 83
Likes: 0
Received 0 Likes on 0 Posts
How much would the WW sides be? And I live in Texas so shipping might make it unrealistic.
Old 06-09-2008, 10:37 AM
  #10  
You'll Never Walk Alone
iTrader: (1)
 
iforyou's Avatar
 
Join Date: Jun 2005
Location: Vancouver, BC, Canada
Age: 37
Posts: 9,521
Received 846 Likes on 526 Posts
Originally Posted by kadabra
I know that my insurance company doesn't cover aftermarket installs but every company is different. I'd ask them as they can give you a better answer than anyone here.

Which body kit did you purchase? I can't find OEM anywhere.
Contact Lance at Acura of Peoria. I got my brand new WDP lip kit from there, and it was $950 including shipping to Canada.

Here is his email: LDworshak@vtaig.com

He gave me this link:
http://www.oemacuraparts.com/partloc...?siteid=214055

and then enter the part codes:
08F01-S0K-220AG SPLR, FR. LIST 399.00 SALE 299.25

08F03-S0K-220A SPLR, RR. LIST 450.00 SALE 337.50

08F04-S0K-220A SPLR, SIDES LIST 320.00 SALE 240.00

You better hurry though so that you can choose your color. IMO this is a much better deal as you don't have to repaint anything. I got a quote from a paint shop and if I were to paint a used kit, it would cost $830.

Btw, the dealer splitted the shipping with me.
Old 06-09-2008, 10:38 AM
  #11  
Advanced
 
kadabra's Avatar
 
Join Date: May 2008
Age: 53
Posts: 83
Likes: 0
Received 0 Likes on 0 Posts
awesome, thank you! I wanted OEM and it'd be great not to have to paint it.
Old 06-09-2008, 10:39 AM
  #12  
Advanced
 
kadabra's Avatar
 
Join Date: May 2008
Age: 53
Posts: 83
Likes: 0
Received 0 Likes on 0 Posts
Hmmm, link doesn't work but I'll email direct I suppose.
Old 06-09-2008, 10:43 AM
  #13  
Advanced
 
kadabra's Avatar
 
Join Date: May 2008
Age: 53
Posts: 83
Likes: 0
Received 0 Likes on 0 Posts
Got it...it was missing the file extension. I've emailed anyhow because I'll need Nighthawk Black. Thanks for the info.
Old 06-09-2008, 10:59 AM
  #14  
Awesome Memeber
Thread Starter
iTrader: (1)
 
SSTL's Avatar
 
Join Date: Aug 2007
Location: Mississauga, Ontario, Canada
Age: 42
Posts: 463
Likes: 0
Received 1 Like on 1 Post
Ya the OEM looks much better then the WW. Still gotta get a quote to paint mine...hope its not $800
Old 06-09-2008, 11:38 AM
  #15  
Advanced
 
kadabra's Avatar
 
Join Date: May 2008
Age: 53
Posts: 83
Likes: 0
Received 0 Likes on 0 Posts
You can save a bundle by doing the prep work yourself...that's where a lot of the expense lies.
Old 06-09-2008, 11:51 AM
  #16  
Honda Nation
 
srtorelli's Avatar
 
Join Date: May 2008
Location: Toronto
Age: 34
Posts: 409
Likes: 0
Received 0 Likes on 0 Posts
Aslong as the kit is OEM the insurance company should cover it. I know my insurance company covers everything that is on the car as long as its OEM. If i start telling them about my aftermarket things well lets just say my rates like to go up.
Old 06-09-2008, 12:32 PM
  #17  
I got the Shifts
iTrader: (5)
 
phee's Avatar
 
Join Date: Oct 2007
Age: 35
Posts: 14,203
Received 230 Likes on 163 Posts
you guys would be surprised as to how cheap it is to insure your parts. i have my rims insured and it only cost me 100 extra for the entire year
Old 06-09-2008, 12:47 PM
  #18  
Advanced
 
kadabra's Avatar
 
Join Date: May 2008
Age: 53
Posts: 83
Likes: 0
Received 0 Likes on 0 Posts
Thanks again iforyou, I was able to purchase a new OEM body kit in Nighthawk Black from them. Should be here next week and then on it goes!
Old 06-09-2008, 01:22 PM
  #19  
Awesome Memeber
Thread Starter
iTrader: (1)
 
SSTL's Avatar
 
Join Date: Aug 2007
Location: Mississauga, Ontario, Canada
Age: 42
Posts: 463
Likes: 0
Received 1 Like on 1 Post
Nice
Old 06-09-2008, 04:11 PM
  #20  
Advanced
 
kadabra's Avatar
 
Join Date: May 2008
Age: 53
Posts: 83
Likes: 0
Received 0 Likes on 0 Posts
$1025 with shipping but considering they had to source the components from 3 separate warehouses, they are probably going to pay more than I did for the transit. They got the front lip from NJ, the rear from GA and the sides from another state...just forget which one. All components get shipped to them 2-day and then they send it to me via UPS Freight (which is about as fast as shipping it by covered wagon). Looks like next week.
Old 06-09-2008, 05:55 PM
  #21  
You'll Never Walk Alone
iTrader: (1)
 
iforyou's Avatar
 
Join Date: Jun 2005
Location: Vancouver, BC, Canada
Age: 37
Posts: 9,521
Received 846 Likes on 526 Posts
No problem kadabra glad to be able to help (finally, contributing to the community!) I just installed my lip kit yesterday, wow, it's awesome, now I need some bigger exhaust tips, but my friend broke one of the bolts that holds down the tip...hmm...
Old 06-09-2008, 06:32 PM
  #22  
Advanced
 
kadabra's Avatar
 
Join Date: May 2008
Age: 53
Posts: 83
Likes: 0
Received 0 Likes on 0 Posts
Do you have pics of the kit you installed?
Old 06-09-2008, 06:48 PM
  #23  
6G TLX-S
 
Edward'TLS's Avatar
 
Join Date: Dec 2000
Location: YVR
Posts: 10,201
Received 1,160 Likes on 829 Posts
Originally Posted by SSTL

.....

My question is...once installed, if I were to get into an accident or something (God forbid). Since my car didn't come with the kit originally...would the insurance company replace the lip kit and spoiler if they were damaged? If not is there a way to get them to cover that as well?

Thanks!

SSTL
Each insurance company has different coverage policies, hence the difference in insurance payment. Always check with your insurance agency for exact information.

But as a general rule, if the body kit is not already on the car when the car was bought new, the body kit will be viewed as aftermarket add-ons and so will not automatically be covered. In BC, ICBC will cover aftermarket equipment (non-OEM stereo, other permanently mounted pieces) up to a certain amount. Beyond that amount, there is always this "excess equipment coverage" that one can buy to cover everything else installed on the car.
Old 06-09-2008, 08:05 PM
  #24  
You'll Never Walk Alone
iTrader: (1)
 
iforyou's Avatar
 
Join Date: Jun 2005
Location: Vancouver, BC, Canada
Age: 37
Posts: 9,521
Received 846 Likes on 526 Posts
Originally Posted by kadabra
Do you have pics of the kit you installed?
I was going to wash my car and then take some pics, but it has been raining the whole day, so I will do that hopefully tomorrow.
Related Topics
Thread
Thread Starter
Forum
Replies
Last Post
HairyMonkey019
Car Parts for Sale
28
04-22-2016 10:50 PM
benny_jdm
Car Parts for Sale
12
01-31-2016 06:15 AM
handsom-hustla
Car Parts for Sale
70
11-13-2015 05:04 PM
HOWELLiNC
3G TL Photograph Gallery
24
10-08-2015 03:15 PM
MyKids&Cars
Car Parts for Sale
6
09-01-2015 12:53 PM



Quick Reply: Insurance and OEM Lip Kit?



All times are GMT -5. The time now is 03:45 PM.