captjay

im curious, lets say i go offroad and hydro the stock engine. since many insurance providers will take care of it, would it be possible to upgrade to a hemi and then i just pay the difference of the stock engine and labor and hemi and labor? seems like could save a butt load of $$$

lets say stock engine and labor from dealer is $10,000 ( i honestly have no clue how much it costs) and hemi and labor through my guy is $18,000, then essentially i just got a hemi swap for $8,000

why i ask, my insurance was covering some smaller parts and they allow me to use whatever mechanic i choose and i wanted to upgrade the parts and they went for it. now they prefer u to use a certified mechanic from their list but wont deny u of the choice.

just hypothetical

scbesse

Damn good question. If it works, that would be awesome!!!!

Piginajeep

when my first JK was wrecked, the first time around. I payed the difference for the bent from Dana 30 and upgraded to a D44.

Of course it was totalled a couple months later


depends on what your insurance allows

cyruspura

My insurance paid an independent shop approx. $8,000 for a new engine build after hydrolocking. If I had any money at the time, I would have split the cost towards a hemi. What I really should have done was gotten a $1,500 3.8 from AEV or ORE and put the rest towards a SC. But I didn't really think of that at the time, and just needed my dd back.

OffRoadGeorge

call Jeff St. Clair at Coverage for your Toys he is a sponsor on this site and a knows all about this.

racer83l

you can use the $ towards whatever you want... heck you dont even need to put it into the JK. but they wont pay for the same thing twice. (In other words, if you cannot supply a receipt saying it was fixed.. then total your JK a month later, they will deduct the $ they paid earlier from what they will pay you for the vehicle.

MFX

I'd think it's all up to your insurance agent. I had an accident which smashed the factory side step on the drivers side. I asked if I can buy an aftermarket step and they gave me the OK. Factory replacements were valued at ~$700 and I got the LoD rails instead. With exchange and duties the total was ~$825 for the loD's. The insurance covered the entire difference seeing as how they didn't have to pay the dealer for labor on the install.

captjay

well thanks for all the replies. my insusrance knows that im lifted. they said as long as everything is legal then they will cover any of it. i had just many posts recently on people hydroing the JK so was just curous about his since they have covered smaller upgrades in the past. but im seriously looking into cheking out that toy insurance stuff. with insurance getting very strict here in fl, it might ne time to swith. i dont know, just curiousity was getting to me

Jpaye

Sure you could, There is no insurance co that can make you do the repairs. The only problem somes in for instance if you want to cash settle from insurance and put that money towards a hemi swap, with State Farm, who I work for, if the amount of payment is over $2500 and there is a leinholder on the vehicle we have to copay the draft to either the lein holder or a shop. But you do not have to replace with what they write that is just what they owe you

captjay

well, jeff once i get back on my feet again, job wise, i will get intouch .. i was just curious about the question i asked, it has not happened. but i have way over $10,000 invested. now my insurance says im good to go as long as the parts are attached to the jeep, but u will be hearing from me soon.