Twister
Active Member
Coming home from Oklahoma tonight I hit a piece of retread and it destroyed the right side auto step board. The rear bracket is gone with a steel rod hanging down. Doubt it can be fixed. Thanks
5thGenRams Forums
Register a free account today to become a member! Once signed in, you'll be able to participate on this site by adding your own topics and posts, as well as connect with other members through your own private inbox!
Does anyone know who makes the automatic step boards that come from Ram on the longhorns?
- Thread starter Twister
- Start date
KidCutti
Active Member
- Joined
- Jun 16, 2019
- Messages
- 26
- Reaction score
- 12
- Points
- 3
- Age
- 36
Sorry to hear about your bad luck. Should be an easy fix though. Amp Research makes the steps. I’d order it through the dealer. I think the brains can be glitchy if it’s not Mopar specific.
Twister
Active Member
thanks, may get lucky and just need a hinge and torque rod, about $262 together.
Would something like that be covered by your comprehensive insurance?
Twister
Active Member
no, according to may agent, only glass falls under comprehensive, this comes out of collision, but since I have $1000 deductible, this is all me
iamtheav8r
Well-Known Member
Your agent is wrong. Find another agent or call the carrier directly.
Comprehensive vs. Collision Insurance: What is the difference? – Nationwide
Find out whether comprehensive insurance or collision insurance is right for you. Understanding the difference is important when choosing car insurance.
Twister
Active Member
no he is right, in KY glass is the only thing that falls under comp, this piece of rubber would be just like hitting a pothole or something in the road. For 262 it makes little differenceYour agent is wrong. Find another agent or call the carrier directly.
Comprehensive vs. Collision Insurance: What is the difference? – Nationwide
Find out whether comprehensive insurance or collision insurance is right for you. Understanding the difference is important when choosing car insurance.www.nationwide.com
iamtheav8r
Well-Known Member
He's wrong, but I suppose the KY department of insurance has incorrect information published on their website. Comp is anything other than collision. Collision is anything you do to cause damage to your vehicle (generally) when your collision insurance is the payor.
You might call this agency as they publish the correct information.
Twister
Active Member
pot holes, road obstacles, are collision here, glass and deer are comprehensive which is what your link states, for 262, makes little difference I would not turn it inHe's wrong, but I suppose the KY department of insurance has incorrect information published on their website. Comp is anything other than collision. Collision is anything you do to cause damage to your vehicle (generally) when your collision insurance is the payor.
You might call this agency as they publish the correct information.
Airbeijing
Member
- Joined
- Sep 12, 2019
- Messages
- 8
- Reaction score
- 11
- Points
- 3
- Age
- 48
Your agent is wrong. It would have been covered by your comprehensive coverage subjected to your deductible. Comp coverage include glass coverage, animal hits, flying objects/projectiles, vandalism and stolen vehicle.
Twister
Active Member
It was not glass, nor animal, nor flying object, nor vandalism, and my deductible is $1000 so at $262 it is a moot point.
Airbeijing
Member
- Joined
- Sep 12, 2019
- Messages
- 8
- Reaction score
- 11
- Points
- 3
- Age
- 48
You are right, I should have read the post carefully. He ran over a piece of tread instead a tread flew off and hit the truck. That would have been considered a projectile in most states (Not in KY apparently). $262 is a moot point with $1k deductible. I just wanted him and other people know that it could have been an insurance claim. ( Not in KY.)
