Stolen Catalytic Converter - Insurance Question

Well what do you want to happen if an insurance adjuster comes out to look at the car you know he may find that the car's not a runner and so on and so forth The car is on your insurance does it have a license plate on it That's a big question in some places? No license tag maybe a problem I don't know I don't spend a lot of my time trying to make insurance claims personally usually I try to have the least amount of insurance that I need to deal with anything and let it rip I'm driving old cars and people can make all the claims they want and they're only going to get but so much. That sounds like you're not interested in getting the car back up and running I can't imagine how bad it could be in Florida but unless you're at the coast it's not really a rust state I have a car I bought for $700 it just came from Florida a generation 2 Prius with a leather interior and it's in very good shape . The outer very straight body with good plastics the paint is just peeling from the Florida Sun but the car isn't beautiful shape inside and as far as plastics and straightness goes and I'm not one to be doing painting so we'll just let it rip as the old peeling car. When you open the door it's like you're in a completely different world It's like new inside

 

My guess is that if they do send a person to look at it they will look underneath, do a quick visual inspection of the rest of the car, and pay as if the car was functional based on observed condition, age, and mileage. (It would help if you had some proof of the odometer so that they don't have to try to turn it on.) A bad pack is not a "this car is worthless" problem, it is just the big ugly older brother of having a bad 12V battery, and a bad 12V battery is certainly no grounds for totaling a car.

 

Your comprehensive cover should cover you for things not related to a collision - such as fire or theft but there's no way in the world that they will total a car because the cat was stolen.

 

Should not present a problem insofar as the insurance claim goes.

On the other hand, you could potentially have a problem where you can't easily verify the quality of installation until you get your traction battery replaced. So if there's an exhaust leak or an electrical problem with the sensor on the new cat pipe, you won't know about it until later- maybe too much later to get it taken care of properly.

That could give some shops grounds to reject the job- they just won't want the complication of doing work that can't be verified right away.

Also I'd expect the claim to cover towing into the garage that replaces the cat, but not any towing back out afterwards.

 

They do it here in North Carolina seemingly almost daily The new one pops up where I guess it's been something's happened or the people don't want her have it replaced and their insurance is not covering it and they're not going to cover it so the car goes or insurance pays off and they go get another car in the Prius goes to the towing lot.

 

If your insurance covers that then it's covered it doesn't matter whether else is broken. Read the policy

 

I think you would be able to make a comprehensive claim on the stolen catalytic converter if you had the adjuster come to your location. They would then visually inspect the car and give you a check for the repair. They might need to check your odometer.

While fixing a catalytic converter on a disabled car seems odd to a rational person, the insurance company is simply trying to make you whole by giving you money for your loss. What you choose to do with the money is up to you.

 

I had my catalytic converter stolen on my 2006 and insurance paid $3800 minus my deductible. My car now worth 4300 and they could easily total it but at the time of the theft it was valued at $5800 and they paid for the repair. (Prices came down since last year by the way).

The process is not that simple. You tow the car to the dealer preferably (OEM replacement), then they prepare an estimate, then the insurance adjuster visits the dealer to approve it and finally they pay or they give you a check.

The fact that your HV battery is dead is not important. Remember that you have several days to make the claim and very likely an HV battery on a 17 year old hybrid has a very large probability of dying anyway by sitting. The insurance couldn’t care less since they only pay for the stolen catalyst.

Just do the process and at the end ask the insurance for a check and pay yourself a $120-150 diagnostics and storage fee to the dealer and pick your car without repairing it.

 

Finally somebody who gets it

Finally somebody who understands. bravo

 

You sent your car over to the dealership to get a pumped up estimate for $4,000 catalytic converter The car's sitting at the dealership I'm guessing not for more than a day or you'll start getting charged and then I'm guessing your car drives so you can get a ride over to the dealership and drive your no cat stolen cat car home with a bad battery? Well then the car is not as bad as you're making it out to sound or what have you there's nothing really to get. Unless you're having to tow the car to the dealership and then tow it back to your house because it doesn't run because of the failing battery and the no catalyst which no catalyst won't keep it from running I drove a car 200 miles with no cat didn't damage anything put a cat on it when I got where I was going and everything's been fine ever since cars still driving.

 

Subed


iPhone ?