TJ Hardtop broken in storm. Bother with insurance, or not? - Great Lakes 4x4. The largest offroad forum in the Midwest

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Old May 30th, 2011, 07:42 AM   #1
dentedvw
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Default TJ Hardtop broken in storm. Bother with insurance, or not?

Yup, was pretty busted up last night. Windows are fine, but one is nearly popped out, and the fiberglass around it and the door on the passenger side is pretty blown up.
I am not going to fix it, because I am moving to Utah on Wednesday. I was going to put it on the Jeep, because I had no other way to get it out there, and it will probably still be able to fit on there, but it's not going to keep water out anymore.
I have the standard $500 deductible on my full coverage, I think. So, they subract $500 from whatever they would have paid me for it. If they pay for it. If it wasn't on the Jeep at the time, is it worth pursuing? Or is this supposed to fall under homeowners?
I didn't need this right now. Ugh.
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Old May 30th, 2011, 08:15 AM   #2
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imho i would not claim it. you can find a hard top online for just a bit more than 500$ on CL etc.

have fun in Utah
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Old May 30th, 2011, 09:39 AM   #3
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check with your insurance, it may cover stuff like "act of god" without a deductabe
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Old June 24th, 2011, 09:21 AM   #4
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Cost to replace including labor and shipping less your comprehensive deductible. They will attempt to find LKQ first and then OEM if none are available. In theory, a comp loss will not affect your rates. If you can't find one in perfect shape for less than your deductible, file a claim.
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Old June 24th, 2011, 10:04 AM   #5
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Yeah, insurance is covering it. Deductible is $100. The problem is that I moved to Utah, and they are a PITA to work with here. AAA apparently is mostly only midwest.
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