Try finding a flag that is not made in China !!!

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Grumpy Old Diesel Owners Club group

I no longer question authority, I annoy authority. More effect, less effort....

1967 230-6 auto parts car. rust bucket.
1980 300D now parts car 800k miles
1984 300D 500k miles
1987 250td 160k miles English import
2001 jeep turbo diesel 130k miles
1998 jeep tdi ~ followed me home. Needs a turbo.
1968 Ford F750 truck. 6-354 diesel conversion.
Other toys ~J.D.,Cat & GM ~ mainly earth moving

there is a company in Oklahoma City that makes US flags of all sizes.

Not to hijack the thread ..but how about a company name Txjake ?

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1985 300D 198K sold
1982 300D 202K
1989 300E 125K
1992 940T

"If you dont have time to do it safely, you dont have time to do it"

"The democracy will cease to exist when you take away from those who are willing to work and give to those who would not."

State Farm cost me $40,000 in medical bills about 20 years ago, I hate them. Farm Bureau has treated me well.

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For the Saved, this world is the worst it will ever get.
For the unSaved, this world is the best it will ever get.

Clk's Ebay Stuff BUY SOMETHING NOW!!!

If the car was drivable, it should not have been put in the shop until the parts were there, and if there was a question about what parts to order, it should have been addressed prior to teardown/disassembly. From the insurance company's standpoint, the shop should be paying for the rental for the moment, because they made a drivable car, undriveable.

JimB, I realize that the car is nearly new to you, but it is, in fact, a used car, that you purchased used, and have driven since. If you had a tire with 10,000 miles on it, the insurance company wouldn't owe you a new tire, they could appropriately take betterment on that because you had used part of its service life prior to it becoming damaged. A bumper cover is the same thing, it accumulates stone chips and curb damage over time, and the finish oxidizes due to weather exposure and mechanical car washes.

If you were a 3rd party claimant, you would have a stronger case, since you would not have a contractual agreement with the insurance company, but as their insured, you're SOL.

If you want a high-end policy with a huge rental allowance and no issues with new parts, it'll cost you, but Chubb and Firemans Fund both have really nice personal lines policies that you can customize any way you like. I met a guy who told me he paid nearly 3X as much as he had with Allstate, but he liked the level of service Firemans Fund gave him...ya gets what ya pays for.

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2002 Ford ZX2
2 x 2013 Honda Civics

sorry to hear this, and a brand new car at that! this web site: http://www.badfaithinsurance.org reveals the good, the bad and the ugly on the insurance boys.

OMG - MY Insurance company is one of the TOP 4 of the worst of them.


From your link:


Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system.

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1991 560 SEC AMG, 199k <---- 300 hp 10:1 ECE euro HV ...

1995 E 420, 170k "The Red Plum" (sold)

2015 BMW 535i xdrive awd Stage 1 DINAN, 6k, <----364 hp

1967 Mercury Cougar, 49k

2013 Jaguar XF, 20k <----340 hp Supercharged, All Wheel Drive (sold)

davestlouis,

By that reasoning, all insurance replacement windshields should be USED.


I am VERY familiar with the concept of "betterment", my first job out of college, in 1970-1971, I had to apply it all the time, and explain as the adjuster, for the Auto Insurance company.

With a stolen battery, the company would NOT pay the policy holder for a new battery, they subtracted the use they thought the customer got.
You should have seen the shock, furor and outrage THAT caused.

"What do you MEAN, I can't have a new battery??!! My battery was STOLEN!!!

and of course, the best one of all: (We heard this a LOT... especially from poor old ladies): "WHY do I even have insurane at ALL?" they would wail!!!
I had to have a box of crying tissues on the desk it happened so much...

Finally they quit. People were leaving them in droves.

Back in 1971 you could NOT get a rental car, or even allowance at all. It was in the policy. But LEGALLY you ARE ENTITLED TO IT, THE CONCEPT IS CALLED "loss of use" - defined as, coverage in the event that property is damaged or destroyed so that an insured cannot use the property for its intended purpose. For example, loss of use of a drill press because of vandalism would be covered.

But my supervisor was a mean ass SOB, and I will never forget what he said: "Loss of use," oh yeah. We'll only pay that for THREE kinds of people.

Doctors, Realtors, ....and Lawyers, bcaause they KNOW THEY CAN GET IT.

What a cynical SOB. I didn't last long at THAT place, I was gone in less than a year.


I read the new tire warranty for my car too. It reads pretty straightforward.
If the tire is defective, and you are in an accident, and the car rolls over after the blowout, and your car is totalled out and you are left crippled for life,

you get a BRAND NEW TIRE.

And that's ALL.

~~~


The courts have thrown out those kinds of guarantees. I remember one case about 30 years under those facts, it was a 1957 Ford station wagon where it happened, those exact facts.


The legal reason for the decision, is that it "shocks the conscience" of the Court.

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1991 560 SEC AMG, 199k <---- 300 hp 10:1 ECE euro HV ...

1995 E 420, 170k "The Red Plum" (sold)

2015 BMW 535i xdrive awd Stage 1 DINAN, 6k, <----364 hp

1967 Mercury Cougar, 49k

2013 Jaguar XF, 20k <----340 hp Supercharged, All Wheel Drive (sold)

Jim, a tire warranty is a lot different than a tire damaged in a collision. If someone whacked the side of your car and killed the tire the insurance company could rightfully demand that you participate in buying the new tire, if there is measurable wear. This can get really hairy in the case of an AWD vehicle, where all 4 tires must have very similar rolling diameters for the ABS and traction control to work properly...if one tire gets damaged, the insurance company only owes for the un-used portion of that tire, and if you have to buy a set of 4, it's your problem. They don't owe for obsolescence, which tire wear effectively is.

On the subject of glass, there's no reason salvage glass can't be used. In the case of windshields, they ALL have stone chips or other small divots, so the use of salvage windshields would be unusual. On top of that, many are glued-in and contribute to the structural integrity of the car, and cutting out a windshield can be tricky.

Jimb, I'm not trying to pick a fight with you, just pointing out what I've seen in my personal experience...make no mistake, the company is holding all of the cards...

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2002 Ford ZX2
2 x 2013 Honda Civics

ARE YOU ONE OF THOSE TARDS THAT WORK OF THE INSURANCE COMPAINES. iF SO YOU KNOW WHAT i THINK OF YOU YOU WORTHLESS DIRTY POS. HE PAID HIS INSURANCE THE COMANY OWES HIM A NEW BUMPER AND NO BULL ****. IF THEY GIVE HIM BULLSHILT THEY SHOULD PAY HIM FOR HIS INCOVIECE. IT'S NOT ABOUT THE PROFIT OF THE INSURANCE SLUT, IT'S ABOUT GETTING THE DAMB COVERAGE YOU PAY FOR.

Famous last words..... Since there is no such thing as a "good guy," insurance company.

They will all exact their justice on you - sooner or later.....

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'06 E320 CDI
'17 Corvette Stingray Vert

Geico was slowly roasting UP my rates for BOTH my Mercedes-Benz AND my diesel motorcoach. I have had NO claims ever, BTW. I love Geico, since it's a Berkshire-Hathaway company, but not to the extent that I will pay higher rates for no reason.

I was rear-ended in my '83 MB 300SD - his insurance company furnished a rent car for about a month while the MB dealer's body shop had my driveable car. I was introduced to the used parts aftermarket for replacement body shop parts on my MB, when I noticed the rear replacement tailights were NOT in as good condition as the ones that were smashed in the wreck. I refused to pick up the MB and told my service advisor to find better replacements equal to or better condition (the ones they tried to pawn-off on me were badly sunfaded) he balked and bleated at the idea of me wanting a better gradation - but I walked, refusing to pick up the car until it was done. I then drove to the Allstate insurance agent's office in person,explaining that I needed to keep the rent car a few more days, since my car was not acceptable to pick up. The agent said OK, and they did upgrade to better used taillight assembly/lenses, but they still were not new.

My car was about 12 years old, Jim, and I was surprised that they would go get better lenses for it. So watch them like a hawk on the fix.


As a note to any of the "I told you so" guys posting here:
Anyone who has read their terms and conditions policy's BEFORE having an accident - please come forward......?

Nationwide's binder for my motorcoach is in excess of 35 pages - I haven't read it, nor do I plan to. I know my main coverages, though. I am at the mercy of the insurance company in all likelyhood anyway. When banks fail insurance companies will still exist, that's how powerful they are.

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'06 E320 CDI
'17 Corvette Stingray Vert

I have a pretty good idea what's in my insurance policies, my wife works as an insurance adjuster and understands how it works.