Good Sam Club Open Roads Forum: 2016 F350 tow mirror - oops
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 > 2016 F350 tow mirror - oops

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spud1957

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Posted: 01/05/19 08:25am Link  |  Quote  |  Print  |  Notify Moderator

Keithk3628 wrote:

Why not just turn it in to your insurance, if your deductible is not too high let them do the shopping. That is what we pay the premiums for. And if you don't back up into everything everyday too often it shouldn't affect your record/premiums.

Keith


Guess you're not familiar with how collision auto insurance works.

If he doesn't have a "first claim forgivable" policy, yes it will negatively affect his insurance premiums and claim record and will have to wait 6 years to have his rating cleared to no claims. We also don't know what his deductible is.

Not worth it to even consider insurance. A claim is a claim regardless of $$ value. Measuring risk does not consider the value of the claim.

* This post was edited 01/05/19 10:06am by spud1957 *

Grit dog

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Posted: 01/05/19 09:26am Link  |  Quote  |  Print  |  Notify Moderator

^Agree w spud. Part of the high cost of insurance is those who submit every little ding and scratch. In the grand scheme, I believe it affects more than just your own policy.
Besides, with some shopping, searching and a bit of hands on, even with a $500 deductible, you could buy a new mirror and install it and either have $ left over or be very little additional out of pocket.


"Yes Sir, Oct 10 1888, Those poor school children froze to death in their tracks. They did not even find them until Spring. Especially hard hit were the ones who had to trek uphill to school both ways, with no shoes." -Bert A.

thomasmnile

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Posted: 01/05/19 11:42am Link  |  Quote  |  Print  |  Notify Moderator

theczar wrote:

Thanks all for your replies.

Most of the replacements that I am seeing have fit issues outlined in the reviews and are not power folding nor Power extending and explicitly state not compatible with mirrors with air temp sensors. These would not be preferred.

Rockauto does not have

Tasca looks like a great option.

I have not had a chance to check with a salvage yard yet.

Thanks again.



I had to replace a mirror on my '05 Ram 3500, not nearly sophisticated as the mirror on your F350. First bought one from an online parts supplier that claimed they were a 'Genuine' Mopar retailer. The mirror was priced about 60% less than a mirror from the FCA Mopar online website. Ordered it, and lo and behold the mounting studs did not line up to the holes on the door frame; wasn't even close. Returned it and bought the Mopar OEM mirror for over $500 bucks, but a perfect fit and installed in 5 minutes. Sometimes you just gotta bite the bullet.........

315RLTSinPA

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Posted: 01/05/19 09:58pm Link  |  Quote  |  Print  |  Notify Moderator

spud1957 wrote:

Keithk3628 wrote:

Why not just turn it in to your insurance, if your deductible is not too high let them do the shopping. That is what we pay the premiums for. And if you don't back up into everything everyday too often it shouldn't affect your record/premiums.

Keith


Guess you're not familiar with how collision auto insurance works.

If he doesn't have a "first claim forgivable" policy, yes it will negatively affect his insurance premiums and claim record and will have to wait 6 years to have his rating cleared to no claims. We also don't know what his deductible is.

Not worth it to even consider insurance. A claim is a claim regardless of $$ value. Measuring risk does not consider the value of the claim.


Not true. My insurance company doesn't count anything under $1500 as a chargeable claim. And if you do have a chargeable claim, it only stays on your record for 3 years.

spud1957

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Posted: 01/06/19 04:34am Link  |  Quote  |  Print  |  Notify Moderator

315RLTSinPA wrote:

spud1957 wrote:

Keithk3628 wrote:

Why not just turn it in to your insurance, if your deductible is not too high let them do the shopping. That is what we pay the premiums for. And if you don't back up into everything everyday too often it shouldn't affect your record/premiums.

Keith


Guess you're not familiar with how collision auto insurance works.

If he doesn't have a "first claim forgivable" policy, yes it will negatively affect his insurance premiums and claim record and will have to wait 6 years to have his rating cleared to no claims. We also don't know what his deductible is.


Not worth it to even consider insurance. A claim is a claim regardless of $$ value. Measuring risk does not consider the value of the claim.


Not true. My insurance company doesn't count anything under $1500 as a chargeable claim. And if you do have a chargeable claim, it only stays on your record for 3 years.


Good for your insurance company. That's not the norm.

6 years In Canada to remove a claim.

CharlesinGA

South of Atlanta, Georgia

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Posted: 01/06/19 08:52pm Link  |  Quote  |  Print  |  Notify Moderator

Many aftermarket mirrors are junk. The plastic is not as heavy, and inferior. The optics are poor, and the mirrors may have distortions in them. There are some good ones out there however.

I am a fan of OEM for many parts, and becoming more so every year.

Charles

theczar

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Posted: 01/13/19 01:43pm Link  |  Quote  |  Print  |  Notify Moderator

Had two hit and runs in the last year so those were already paid by my my insurance. I do not want another claim so soon my premiums are already enough. Thanks all for suggestions

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