I think if you can get a price quote to replace the exhaust and you have the original(helix) exhaust. Then let them see both. They may pay for it then.

 

ditto

Atleast your insurance company didn't try to put the wreck on you!! That happened to me, some lady which ended up to be my college english teacher rearended me. I called my insurance company and such gave them a report and the cops took the report down also. My insurance called me back and started to tell me that I'm going to have to pay for my damage because it doesn't reach the deductible or whatever. I was like what the hell, the wreck was not my fault. It got fixed but it made me alittle bit mad at my company for trying to pin the wreck on me.

 

Your company may not have been trying to pin the wreck on you. When you file through your own insurance you are responsible for the deductible regardless of whose fault it is. FYI always file through the other person's insurance for repairs if the fault is the other person's to avoid paying deductibles. Also if you go through your own insurance ask them to waive the deductible if it was not your fault.

 

I understand what you were saying, about the deductible, maybe I didn't say it right. Ok you like say the company says that you have to have $500 worth of damage for them to take care of it? Ok that was my situation so they were telling me that I was going to have to pay for my own damage on my car. First off I didn't cause the wreck as you know. I told the insurrance company this, told them about the police report. What they did was be lazy and not call the police department or whatever for the report and then go after the other insurrance company. My company just filed it as it was my fault, i found that out when I went to go get my car's damage apraised.

 

My suggestion? First, go to a doctor ASAP for you neck pain you have as a result of the accident. Second, find a Helix vendor and get a quote for a new muffler just like the one you had.

If the insurance company still refuses to pay, based on *replacement* cost, inform them that you would will settle for $15K today and that you have retained an attorney. If insurance company calls your bluff, you can easily find an attorney to work on a percentage basis, they're like flies to poop in cases like this.

I've been the victim of several drivers inattentiveness in my driving career and without fail, the insuarance companies do everything they can to weasal out of their obligation to pay for damages caused by their insured. If they want to play hard ball with you, I suggest you put on your batting helmet and play. Never speak to the insurance company in an emotional tone, be very polite, succinct and patient. The insurance companies have more lawyers, but the law is still on your side.