It's not too bad; a middle-aged woman pulled out in front of me and I slammed
her. I have an Olympic front Rock bumper on my '97 TJ with the winch mount
and it took most of the impact, though the Jeep will need a new flare, fender,
and maybe a hood. I thought the Oly had survived with only cosmetic damage but
the "back strap" (hard to explain) is bowed, showing that the end must have
deflected in alt least a little.

My body feels OK though I may have tweaked my hip. We'll see in the morning I
guess.

So, first off, things like aftermarket bumpers are NOT covered in insurance,
right? At least my Warn is OK. I can live with the bumper as it is if that's
the case... i'll just repaint it.

Second... for those of you who have recently wrecked, anything to watch out for
in this whole process? How do I insure that I get my TJ back perfectly
repaired with the best parts, etc?

-jeff

 

As long as you have a reciept for the bumper I don't see why your/her
insurance wouldn't cover it. Were you determined to be at fault? Hope you
feel OK in the morning!

Carl


"Handywired" <handywired@aol.com> wrote in message
news:20041111002239.12394.00000544@mb-m28.aol.com...
> It's not too bad; a middle-aged woman pulled out in front of me and I
slammed
> her. I have an Olympic front Rock bumper on my '97 TJ with the winch
mount
> and it took most of the impact, though the Jeep will need a new flare,
fender,
> and maybe a hood. I thought the Oly had survived with only cosmetic
damage but
> the "back strap" (hard to explain) is bowed, showing that the end must
have
> deflected in alt least a little.
>
> My body feels OK though I may have tweaked my hip. We'll see in the
morning I
> guess.
>
> So, first off, things like aftermarket bumpers are NOT covered in
insurance,
> right? At least my Warn is OK. I can live with the bumper as it is if
that's
> the case... i'll just repaint it.
>
> Second... for those of you who have recently wrecked, anything to watch
out for
> in this whole process? How do I insure that I get my TJ back perfectly
> repaired with the best parts, etc?
>
> -jeff

 

As long as you have a reciept for the bumper I don't see why your/her
insurance wouldn't cover it. Were you determined to be at fault? Hope you
feel OK in the morning!

Carl


"Handywired" <handywired@aol.com> wrote in message
news:20041111002239.12394.00000544@mb-m28.aol.com...
> It's not too bad; a middle-aged woman pulled out in front of me and I
slammed
> her. I have an Olympic front Rock bumper on my '97 TJ with the winch
mount
> and it took most of the impact, though the Jeep will need a new flare,
fender,
> and maybe a hood. I thought the Oly had survived with only cosmetic
damage but
> the "back strap" (hard to explain) is bowed, showing that the end must
have
> deflected in alt least a little.
>
> My body feels OK though I may have tweaked my hip. We'll see in the
morning I
> guess.
>
> So, first off, things like aftermarket bumpers are NOT covered in
insurance,
> right? At least my Warn is OK. I can live with the bumper as it is if
that's
> the case... i'll just repaint it.
>
> Second... for those of you who have recently wrecked, anything to watch
out for
> in this whole process? How do I insure that I get my TJ back perfectly
> repaired with the best parts, etc?
>
> -jeff

 

As long as you have a reciept for the bumper I don't see why your/her
insurance wouldn't cover it. Were you determined to be at fault? Hope you
feel OK in the morning!

Carl


"Handywired" <handywired@aol.com> wrote in message
news:20041111002239.12394.00000544@mb-m28.aol.com...
> It's not too bad; a middle-aged woman pulled out in front of me and I
slammed
> her. I have an Olympic front Rock bumper on my '97 TJ with the winch
mount
> and it took most of the impact, though the Jeep will need a new flare,
fender,
> and maybe a hood. I thought the Oly had survived with only cosmetic
damage but
> the "back strap" (hard to explain) is bowed, showing that the end must
have
> deflected in alt least a little.
>
> My body feels OK though I may have tweaked my hip. We'll see in the
morning I
> guess.
>
> So, first off, things like aftermarket bumpers are NOT covered in
insurance,
> right? At least my Warn is OK. I can live with the bumper as it is if
that's
> the case... i'll just repaint it.
>
> Second... for those of you who have recently wrecked, anything to watch
out for
> in this whole process? How do I insure that I get my TJ back perfectly
> repaired with the best parts, etc?
>
> -jeff

 

Have you driven it yet? You might have some front end steering/suspension
damage.
Take it for a drive and go slowly....but see how she handles/feels!!
Hopefully you didn't twist the frame....
But make sure a good mechanic goes over her.

As far as insurance....I don't see why they wouldn't cover it! Like the
other poster said...receipt!!
That big front bumper probably saved you from worse damage that would've
resulted in them writing off the vehicle!
The magic number up here in Canada is only a few thousand dollars....it's
related to the newness of the vehicle too. But there's a good market to buy
'written' off vehicles and fix them up. Cheap to buy....but require a bit
of time to fix. Turnover is good$$.



"Handywired" <handywired@aol.com> wrote in message
news:20041111002239.12394.00000544@mb-m28.aol.com...
> It's not too bad; a middle-aged woman pulled out in front of me and I
> slammed
> her. I have an Olympic front Rock bumper on my '97 TJ with the winch
> mount
> and it took most of the impact, though the Jeep will need a new flare,
> fender,
> and maybe a hood. I thought the Oly had survived with only cosmetic
> damage but
> the "back strap" (hard to explain) is bowed, showing that the end must
> have
> deflected in alt least a little.
>
> My body feels OK though I may have tweaked my hip. We'll see in the
> morning I
> guess.
>
> So, first off, things like aftermarket bumpers are NOT covered in
> insurance,
> right? At least my Warn is OK. I can live with the bumper as it is if
> that's
> the case... i'll just repaint it.
>
> Second... for those of you who have recently wrecked, anything to watch
> out for
> in this whole process? How do I insure that I get my TJ back perfectly
> repaired with the best parts, etc?
>
> -jeff

 

Have you driven it yet? You might have some front end steering/suspension
damage.
Take it for a drive and go slowly....but see how she handles/feels!!
Hopefully you didn't twist the frame....
But make sure a good mechanic goes over her.

As far as insurance....I don't see why they wouldn't cover it! Like the
other poster said...receipt!!
That big front bumper probably saved you from worse damage that would've
resulted in them writing off the vehicle!
The magic number up here in Canada is only a few thousand dollars....it's
related to the newness of the vehicle too. But there's a good market to buy
'written' off vehicles and fix them up. Cheap to buy....but require a bit
of time to fix. Turnover is good$$.



"Handywired" <handywired@aol.com> wrote in message
news:20041111002239.12394.00000544@mb-m28.aol.com...
> It's not too bad; a middle-aged woman pulled out in front of me and I
> slammed
> her. I have an Olympic front Rock bumper on my '97 TJ with the winch
> mount
> and it took most of the impact, though the Jeep will need a new flare,
> fender,
> and maybe a hood. I thought the Oly had survived with only cosmetic
> damage but
> the "back strap" (hard to explain) is bowed, showing that the end must
> have
> deflected in alt least a little.
>
> My body feels OK though I may have tweaked my hip. We'll see in the
> morning I
> guess.
>
> So, first off, things like aftermarket bumpers are NOT covered in
> insurance,
> right? At least my Warn is OK. I can live with the bumper as it is if
> that's
> the case... i'll just repaint it.
>
> Second... for those of you who have recently wrecked, anything to watch
> out for
> in this whole process? How do I insure that I get my TJ back perfectly
> repaired with the best parts, etc?
>
> -jeff

 

Have you driven it yet? You might have some front end steering/suspension
damage.
Take it for a drive and go slowly....but see how she handles/feels!!
Hopefully you didn't twist the frame....
But make sure a good mechanic goes over her.

As far as insurance....I don't see why they wouldn't cover it! Like the
other poster said...receipt!!
That big front bumper probably saved you from worse damage that would've
resulted in them writing off the vehicle!
The magic number up here in Canada is only a few thousand dollars....it's
related to the newness of the vehicle too. But there's a good market to buy
'written' off vehicles and fix them up. Cheap to buy....but require a bit
of time to fix. Turnover is good$$.



"Handywired" <handywired@aol.com> wrote in message
news:20041111002239.12394.00000544@mb-m28.aol.com...
> It's not too bad; a middle-aged woman pulled out in front of me and I
> slammed
> her. I have an Olympic front Rock bumper on my '97 TJ with the winch
> mount
> and it took most of the impact, though the Jeep will need a new flare,
> fender,
> and maybe a hood. I thought the Oly had survived with only cosmetic
> damage but
> the "back strap" (hard to explain) is bowed, showing that the end must
> have
> deflected in alt least a little.
>
> My body feels OK though I may have tweaked my hip. We'll see in the
> morning I
> guess.
>
> So, first off, things like aftermarket bumpers are NOT covered in
> insurance,
> right? At least my Warn is OK. I can live with the bumper as it is if
> that's
> the case... i'll just repaint it.
>
> Second... for those of you who have recently wrecked, anything to watch
> out for
> in this whole process? How do I insure that I get my TJ back perfectly
> repaired with the best parts, etc?
>
> -jeff

 

Handywired did pass the time by typing:
> It's not too bad; a middle-aged woman pulled out in front of me and I slammed
> her. I have an Olympic front Rock bumper on my '97 TJ with the winch mount
> and it took most of the impact, though the Jeep will need a new flare, fender,
> and maybe a hood. I thought the Oly had survived with only cosmetic damage
> but the "back strap" (hard to explain) is bowed, showing that the end must
> have deflected in alt least a little.
>
> My body feels OK though I may have tweaked my hip. We'll see in the morning I
> guess.
>
> So, first off, things like aftermarket bumpers are NOT covered in insurance,
> right? At least my Warn is OK. I can live with the bumper as it is if that's
> the case... i'll just repaint it.

If the other driver is at fault, everything is covered. Don't let the other
persons insurace company lie to you.

> Second... for those of you who have recently wrecked, anything to watch out
> for in this whole process? How do I insure that I get my TJ back perfectly
> repaired with the best parts, etc?

First off, I'm going on the _assumption_ that the other driver was "at fault".
IANAL(1)

If you don't feel good ... SEE YOUR DOCTOR! ... I don't know how badly you
got whacked but since you don't mention airbags going off I'm assuming you
just got tweaked by the seatbelt. Even so, if you have any tingling or
numbness in any extremety, or blurry vision (not caused by beer) get your
*** to the doctors office pronto.

After making sure your ok..

Contact the other drivers insurance company and find out if they have a appraiser
in the area or if they work with a shop of your choosing. I'd personally choose
a Jeep dealership for repairs unless you know a reputable local shop. That way
you know the body parts won't be cheap aftermarket.

Have them check the whole thing.
power train, Engine, tranny, xfr case, diffs, frame alignment, etc

While your Jeep is being fixed the other drivers insurance is responsible to provide
you with a rental. Most are limited to $25 a day or the el-cheapo enterprise or similar
rental.

How old is your Jeep. If it's fairly new, some states allow you to get the resale
value lost due to the collision. A good guide is Kelly Bluebook and www.kbb.com
compare "Excellent" vs "Poor" then ask for that amount.

If the other insurance company tries to screw you, mention the fact that your being
nice to them an could refer this to a lawyer. That usually gets them back in line.
If they refuse to budge, make a few calls and get a lawyer. Try to use one that people
you know have had good experience with.


(1) I Am Not A Lawyer

--
DougW

 

Handywired did pass the time by typing:
> It's not too bad; a middle-aged woman pulled out in front of me and I slammed
> her. I have an Olympic front Rock bumper on my '97 TJ with the winch mount
> and it took most of the impact, though the Jeep will need a new flare, fender,
> and maybe a hood. I thought the Oly had survived with only cosmetic damage
> but the "back strap" (hard to explain) is bowed, showing that the end must
> have deflected in alt least a little.
>
> My body feels OK though I may have tweaked my hip. We'll see in the morning I
> guess.
>
> So, first off, things like aftermarket bumpers are NOT covered in insurance,
> right? At least my Warn is OK. I can live with the bumper as it is if that's
> the case... i'll just repaint it.

If the other driver is at fault, everything is covered. Don't let the other
persons insurace company lie to you.

> Second... for those of you who have recently wrecked, anything to watch out
> for in this whole process? How do I insure that I get my TJ back perfectly
> repaired with the best parts, etc?

First off, I'm going on the _assumption_ that the other driver was "at fault".
IANAL(1)

If you don't feel good ... SEE YOUR DOCTOR! ... I don't know how badly you
got whacked but since you don't mention airbags going off I'm assuming you
just got tweaked by the seatbelt. Even so, if you have any tingling or
numbness in any extremety, or blurry vision (not caused by beer) get your
*** to the doctors office pronto.

After making sure your ok..

Contact the other drivers insurance company and find out if they have a appraiser
in the area or if they work with a shop of your choosing. I'd personally choose
a Jeep dealership for repairs unless you know a reputable local shop. That way
you know the body parts won't be cheap aftermarket.

Have them check the whole thing.
power train, Engine, tranny, xfr case, diffs, frame alignment, etc

While your Jeep is being fixed the other drivers insurance is responsible to provide
you with a rental. Most are limited to $25 a day or the el-cheapo enterprise or similar
rental.

How old is your Jeep. If it's fairly new, some states allow you to get the resale
value lost due to the collision. A good guide is Kelly Bluebook and www.kbb.com
compare "Excellent" vs "Poor" then ask for that amount.

If the other insurance company tries to screw you, mention the fact that your being
nice to them an could refer this to a lawyer. That usually gets them back in line.
If they refuse to budge, make a few calls and get a lawyer. Try to use one that people
you know have had good experience with.


(1) I Am Not A Lawyer

--
DougW

 

Handywired did pass the time by typing:
> It's not too bad; a middle-aged woman pulled out in front of me and I slammed
> her. I have an Olympic front Rock bumper on my '97 TJ with the winch mount
> and it took most of the impact, though the Jeep will need a new flare, fender,
> and maybe a hood. I thought the Oly had survived with only cosmetic damage
> but the "back strap" (hard to explain) is bowed, showing that the end must
> have deflected in alt least a little.
>
> My body feels OK though I may have tweaked my hip. We'll see in the morning I
> guess.
>
> So, first off, things like aftermarket bumpers are NOT covered in insurance,
> right? At least my Warn is OK. I can live with the bumper as it is if that's
> the case... i'll just repaint it.

If the other driver is at fault, everything is covered. Don't let the other
persons insurace company lie to you.

> Second... for those of you who have recently wrecked, anything to watch out
> for in this whole process? How do I insure that I get my TJ back perfectly
> repaired with the best parts, etc?

First off, I'm going on the _assumption_ that the other driver was "at fault".
IANAL(1)

If you don't feel good ... SEE YOUR DOCTOR! ... I don't know how badly you
got whacked but since you don't mention airbags going off I'm assuming you
just got tweaked by the seatbelt. Even so, if you have any tingling or
numbness in any extremety, or blurry vision (not caused by beer) get your
*** to the doctors office pronto.

After making sure your ok..

Contact the other drivers insurance company and find out if they have a appraiser
in the area or if they work with a shop of your choosing. I'd personally choose
a Jeep dealership for repairs unless you know a reputable local shop. That way
you know the body parts won't be cheap aftermarket.

Have them check the whole thing.
power train, Engine, tranny, xfr case, diffs, frame alignment, etc

While your Jeep is being fixed the other drivers insurance is responsible to provide
you with a rental. Most are limited to $25 a day or the el-cheapo enterprise or similar
rental.

How old is your Jeep. If it's fairly new, some states allow you to get the resale
value lost due to the collision. A good guide is Kelly Bluebook and www.kbb.com
compare "Excellent" vs "Poor" then ask for that amount.

If the other insurance company tries to screw you, mention the fact that your being
nice to them an could refer this to a lawyer. That usually gets them back in line.
If they refuse to budge, make a few calls and get a lawyer. Try to use one that people
you know have had good experience with.


(1) I Am Not A Lawyer

--
DougW