Possible Insurance woes

by **xr8boy** » May 17th, 2012, 7:56 pm

Hi all, a couple of weeks ago i guttered the EF with the simmons on it too the point where one wheel is not repairable. I have a couple of concerns as to the actions of the Insurance company regarding replacement of the wheels, They have said like for like yet at the same time say that they will only be paying for 1 wheel. The simmons are an older type F90 17x8 17x9 staggered fitment and the assessor has been onto the local tyre shops to find a replacement wheel with no results

St the end of the day i had simmons on there so at the least they should be replaced with a 3 piece 5 spoke rim of good quality but ideally they should be replaced with simmons

I know it depends on the policy however i have an agreed value of $8800, Your thoughts on what the insurance company will do based on your past experiences would be greatly appreciated

Cheers, Matt

by **AaronEF8** » May 17th, 2012, 8:16 pm

you're not getting Simmons.

by **67rce** » May 17th, 2012, 9:05 pm

Matt, Get them to chase up a wheel repair mob like Depulu Wheels to see if they can obtain new inners/outers.

by **bng** » May 17th, 2012, 9:19 pm

Retro wheels do all repairs on Simmons

by **xr8boy** » May 17th, 2012, 11:41 pm

apparently they have xrayed the wheel and it needs a new outer. I believe they have been dealing with depulu

Aaron - one thing the assessor said is that it has to be like for like and the rears are 9's. There is not an off the shelf wheel available for eseries in a 9. They knew the wheels where on the car as they have repaired them once before. They cannot replace with a lessor, only with the same or better

It doesnt bother me if i dont get simmons, i just will not accept some shithouse mayhems or gay bling wheels as thats about all there is for eseries. Obviously they are trying to get out of this with the least amount of expenditure

by **Mr_4.0** » May 18th, 2012, 3:19 am

Your lucky they even cover you for 9's anyway!!! No one does on eseries.

by **SNR** » May 18th, 2012, 7:48 am

They SHOULD cover up to 9.5" on an eseries - since the biggest factory wheel on EA-D shape was 8.5" wide (EBGT) and biggest factory wheel fitted to EF-L shape also 8.5" wide (ELGT)

by **braad** » May 18th, 2012, 12:29 pm

xr8boy wrote:apparently they have xrayed the wheel and it needs a new outer. I believe they have been dealing with depulu

Aaron - one thing the assessor said is that it has to be like for like and the rears are 9's. There is not an off the shelf wheel available for eseries in a 9. They knew the wheels where on the car as they have repaired them once before. They cannot replace with a lessor, only with the same or better

It doesnt bother me if i dont get simmons, i just will not accept some shithouse mayhems or gay bling wheels as thats about all there is for eseries. Obviously they are trying to get out of this with the least amount of expenditure

If its just the outer, that can be replaced. As long as the centre is ok. It'd be cheaper for them to replace that outer than buy a whole new set of different wheels

by **Mr_4.0** » May 18th, 2012, 1:40 pm

SNR wrote:They SHOULD cover up to 9.5" on an eseries - since the biggest factory wheel on EA-D shape was 8.5" wide (EBGT) and biggest factory wheel fitted to EF-L shape also 8.5" wide (ELGT)

Doesn't work like that.... Has to be on THAT model. If the car isn't a gt it doesn't apply. The law/insurance argues that ford engineer the car to accommodate the wider wheels whether by suspension or brakes or even steering wheels.
Pretty sure it shouldnt of changed from when I dealt through insurance with my old car for similar issues.

by **67rce** » May 18th, 2012, 3:35 pm

I have 18x10's covered. Listed all specs in my policy.

by **Mr_4.0** » May 18th, 2012, 4:43 pm

With who?
Most places will cover you UNTIL you make a claim. Its like Shannon's and just car. They will cover anything! But when it comes time to claim its up to you to prove its roadworthy.

by **67rce** » May 18th, 2012, 5:21 pm

NRMA. I have made a claim with the wheels fitted too. No hassles at all.

by **adxr8** » May 18th, 2012, 7:54 pm

I damaged a couple of my wheels a while back, they were no longer available at the time so i opted for them to pay me out for the value of the wheels " if they were available", i brought a new set of wheels and cost me very little.
They are still only obliged to cover the damage not give you 4 new wheels.

by **xr8boy** » May 18th, 2012, 8:38 pm

Was talking to the assessor today and apparently they have found a style available through goodyear tyres, a 5 spoke 3 piece wheel. Popping down tomorrow to have a look see..... fingers crossed there nice

Anyone know what a 17x9 F90 was worth back in the day. I will be asking for the wheels back and will look into getting a new outer made.

by **Mr_4.0** » May 18th, 2012, 11:04 pm

You won't get the wheels back that we're damaged if they replace them.

by **SNR** » May 21st, 2012, 12:09 pm

Mr_4.0 wrote:
SNR wrote:They SHOULD cover up to 9.5" on an eseries - since the biggest factory wheel on EA-D shape was 8.5" wide (EBGT) and biggest factory wheel fitted to EF-L shape also 8.5" wide (ELGT)

Doesn't work like that.... Has to be on THAT model. If the car isn't a gt it doesn't apply. The law/insurance argues that ford engineer the car to accommodate the wider wheels whether by suspension or brakes or even steering wheels.
Pretty sure it shouldnt of changed from when I dealt through insurance with my old car for similar issues.

But a GT is a variant, not a model? An EB GT is an EB just as an EB GL/GLi is an EB.

by **braad** » May 21st, 2012, 1:56 pm

How much for a set of ROH Modena? They're customised offsets etc arent they? Could they be an option?

by **Mr_4.0** » May 21st, 2012, 2:39 pm

An engineer that has to engineer a car would disagree.

by **xr8boy** » May 22nd, 2012, 7:46 pm

Alls well that ends well managed to get a set of 19 x 8.5's and 19 x 10.5's out of the insurance company all i have to do is pay tyres which is fair enough. No replacement for simmons but at the end of the day i'll have some respectable treads on the old cooner

by **Mr_4.0** » May 22nd, 2012, 8:09 pm

19x10.5 will be fun to fit on an ef :-/

by **67rce** » May 22nd, 2012, 8:51 pm

Mr_4.0 wrote:19x10.5 will be fun to fit on an ef :-/

Piece of cake. It's actually bullshit easy!

by **nstg8a** » May 22nd, 2012, 9:55 pm : **xr8boy Likes this post**

67rce wrote:
Mr_4.0 wrote:19x10.5 will be fun to fit on an ef :-/

Piece of cake. It's actually bullshit easy!

agreed, i had 9,5s and there was still shedloads of room, especially inwards.

by **67rce** » May 22nd, 2012, 10:13 pm

Exactly. Matt and I sussed out how you could easily fit 11" rears under stock guards.

by **xr8boy** » May 23rd, 2012, 1:21 pm

nstg8a wrote:
67rce wrote:
Mr_4.0 wrote:19x10.5 will be fun to fit on an ef :-/

Piece of cake. It's actually bullshit easy!

agreed, i had 9,5s and there was still shedloads of room, especially inwards.

An 11 is the biggest you'll get. Still an easy fit though it's just a case of gettin the right offset

by **xr8boy** » May 23rd, 2012, 1:22 pm

I'll also be getting all the simmons back

by **Mr_4.0** » May 23rd, 2012, 2:29 pm

How'd u manage to get the Simmons back? Have to pay?

by **Ef_frmnt** » May 23rd, 2012, 2:45 pm

haha what are the 19s they found? Should sell those to me and put a new outer on the Simmons

by **xr8boy** » May 24th, 2012, 7:24 am

Mr_4.0 wrote:How'd u manage to get the Simmons back? Have to pay?

Well they only wrote 1 of them off so by rights i still owned the other 3, the assessor was a reasonable bloke

by **xr8boy** » May 24th, 2012, 7:27 am

Ef_frmnt wrote:haha what are the 19s they found? Should sell those to me and put a new outer on the Simmons

Honestly don't know what they are called, sort of like a Volk TE37 copy me thinks, I was actually in the process of cleaning the simmons to sell them as they wont fit my big brake upgrade. The 19's will clear with ample room.

I'll throw some pics up when I get them fitted