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Discussion Starter · #1 ·
Rolled my 97 on a 300 mile trip to Kansas rocks offroad park ( I was 10 minutes from the entrance) , im trying to figure how much I will be able to get from the insurance company (they will contact me tomorrow to start the process)

I added up the aftermarket upgrades on my jeep, it comes out like this


----------------------AFTERMARKET MODIFICATIONS-------------------



vintage Marchal 750 fog lights $200
ipod cable $10
ipod/cellphone mount $10
cellphone bracket $20
reverse light $10
rigid industries light bar bracket $30
battery guage $12
otrattw swithches $100
rugged ridge mirror $50
jack handle isolator $40
tow shackle front $20
sears diehard platinum agm battery $229.99
led turn signals front and back $100
wheels eagle aluminum alloys 15x10 $600
tires 33x12.50x15 cooper st $ 800
front locker - spartan $300
novak cable shifter $169.99
corbeau seats $599.98 (front two )
corbeau harnesses $170
rockhard 4x4 harness bar $200 with paint match
sony xplod headunit $150
infinity component speakers $100
pioneer dash speakers $80.00
sub wiring kit $99.99
fuse panel (blue sea systems) + heavy wiring $50
smittybilt roof basket $279.99
savvy gts $329.99
rockers $370.99
skid engine $375.70
rear bumper $313.63*
snorkel $125
body $95*
spacer $85
bump stops* $25.00
netting $329.96*
lower dash panel $25.99
diff guard $65
rokmen engine/tranny skid $325
SWAYBAR DISC $157.99
Q9000 REMOTE SOLENOID BLACK $294.99 *
ROCKHARD STEERING BOX PROTECTOR $39.99
ROCKHARD FR BUMPER W/ANG HOOP $344.99
CONGO CAGE $329.99
TERAFLEX HAND THROTTLE KIT $36.99
HI-LIFT X-TREME JACK 48 INCH $109.99*
TAG PILLAR GAUGE POD $24.99
HITCH WIRING KIT $16.99
RAMPAGE D RING RECEIVER HITCH $29.99
TUNE UP KIT 97-98 TJ WITH 4.0L 6 CYL $69.99*

total aftermarket upgrades over $8000
not including paint/primer/labor/


--------------------------------KBB AND NADA VALUE --------------------------------------------------------------------
(showing that wranglers typically sell for way above "book" value)
$5205 in Very Good condition on KBB with applicable options selected
$6775 on nada clean retail






------------------------------97-99 wranglers SELLING NEARBYE--------------------------------------------------------------
________________________________private party___________________________________
Fun in the sun! 1998 Jeep Wrangler Sport! 98- sport $7200 NO AFTERMARKET ACCESSORIES
1998 Jeep Wrangler Sahara 98- wrangler sahara $8000 HIGHER MILES
1997 Jeep Wrangler TJ, Auto, AC, 4" Lift Kit, 33" Tires 97 highly modified similar to mine $13000

____________________________dealer_______________________________________________________
1998 JEEP WRANGLER SPORT - AUTO TRANS - ONE OWNER 98 sport $7950 stock




im really looking for advice and ballpark estimates as to what they are going to offer me
 

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I do not think they will give you one cent for upgrades and aftermarket equipment. Not sure, but this is what I have heard. Good luck.
 

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I wouldn't expect more than Nada retail unless you specifically insured your mods. My insurance company had me provide a list of all mods and install costs in order to fully insure my rig.
 

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I wouldn't expect more than Nada retail unless you specifically insured your mods. My insurance company had me provide a list of all mods and install costs in order to fully insure my rig.
My insurance had me do this as well. Whenever I add something pricey I call them and add it to my "aftermarket" coverage
 

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I don't have aftermarket coverage and I don't think my insurance company offers that option, hence why I keep mine stock and lovin' it.

A previous car I owned back in 2000, (plymouth acclaim) was in a bad accident and was writen off. Due to milage I had accumulated the insurance company I was with wanted to give me next to nothing. I had to fax ALL MY REPAIRS to show that it was in great shape. Finally they gave in to what I asked. So be prepared to fight tooth and nail for anything you added on. Please note I had NO AFTERMARKET parts on that old car.
 

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Buy it back from the ins company... Swap your after market onto your next rig
 

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Discussion Starter · #7 ·
Buy it back from the ins company... Swap your after market onto your next rig
looks like that may be what I have to do, I believe all the most expensive parts are still intact, winch, bumpers, savvy gts, rokmen tranny skid, seats
 

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Discussion Starter · #8 ·
what about removing parts but not buying it back?
winch and locker and others
 

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some kid side swiped my car. i got a check from my insurance then went to collect my "personal artifacts"... i gutted it. i stopped just short of removing the head and tail lights.
insurance said nothing about what i took.
 

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Discussion Starter · #11 ·
some kid side swiped my car. i got a check from my insurance then went to collect my "personal artifacts"... i gutted it. i stopped just short of removing the head and tail lights.
insurance said nothing about what i took.
well I would try to pull the seats, and at least the front bumoer and winch, they are easy... but I would rather just get a big check and a clean slate... so much time and so much money into this jeep, i only got to drive it for 6 months
 

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Discussion Starter · #12 ·
at least ive got a second vehicle to drive .... ive heard the longer you fight the insurance company the ore money they will give you to stop bugging them.
 

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Discussion Starter · #13 ·
If they'll go for it at all, they might want you to reinstall the OEM part for any aftermarket part removed.

I could borrow a buddys bumpers to get the good ones back ... and his seats. I would just have to give him the ones out of the replacement jeep
 

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Discussion Starter · #14 ·
heres a couple pics
 

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Glad u are ok! Being new to Jeeps, can I ask how it happened? My experience with insurance is this. If the vehicle is already at a junk/scrap yard, they don't care what u take, they have already sold it to the yard. If its still in your yard or their lot, if they won't cover it, and u can still operate the vehicle by replacing it with say another bumper, u can swap it. Until u cash a check, sign it over or take money, it is still yours. Keep that in mind. If hey are being douches, tow it back to your house. Do not let them take possession of it! It will disappear and u will take a loss. Take it home and fight them. Good luck!
 

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If you have a 8k vehicle but added 8k in mods, why should the insurance have to pay a nickel for the mods unless the owner had disclosed the mods to them and had been paying higher rates accordingly? Some companies allow what is called "stated value" insurance for vehicles that are modified or in exceptional shape. You simply state the value and pay accordingly. You will likely need to show proof or have inspected.
 

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aren't these things meant to keep going after a rollover?
I really don't know.
good thing you are ok.
see what you can take from the machine
 

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If they don't insure after market parts, they better allow you to remove any that are still functional.
 
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