Monthly Archives: November 2009

Tire Pressure Monitoring System

The Standard Tire Pressure Monitoring System (TPMS) informs the driver of tire pressure loss through the on board computer display as well as a separate indicator light.  And yet its all about dealer service and service levels even at new auto mall types of setups.

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Strong and light, the standard 19-inch forged alloy wheels were engineered to extract every ounce of the 911 Turbo’s thrilling performance potential. Their new design features a two-tone finish that further distinguishes the Turbo from other 911 models: The sides of each spoke are painted in a titanium tone, while the entire front surface, including the flange, has a polished finish.

And yet what is a guy to do but drive to the Porsche dealership at the Waverley Winnipeg mega vehicle mall. The front wheel dimensions are 8.5J x 19, and are shod with 235/35 ZR 19 tires. As befits the car’s rear bias, the rear wheels are a wider specification, 11J x 19, with 305/30 ZR 19 performance tires. A range of optional 18- and 19-inch winter wheels (all snow chain-compatible) are available from Porsche test Equipment. Vehicles equipped with the optional Porsche Ceramic Composite Brake  (PCCB) may only be fitted with the larger 19-inch winter wheels.

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What do I do If I Disagree with the Repairs you’ve Allowed?

Our Estimator has allowed for repair methods that meet industry standards. But if you think the repairs we’ve allowed are not adequate, you’ve got several options. First, ask to have the Estimating Supervisor at the Claim Centre look at the damage located in the Wavelrey auto mall in Winnipeg .

If that doesn’t help, take your vehicle to the repair shop of your choice for their opinion and then have the contact the estimating supervisor. Chances are, they’ll be able to work out the problem. But if not, we can arrange for one of our Estimating Services reps to examine your vehicle and ensure you’re being treated fairly.

When none of these steps resolves the problem, you can got to independent appraisal. Our Appeal Options brochure explains appraisal in more detail. You can also ask your Adjuster to help you get the process started.

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Can I do the Repairs Myself?

Yes. But we’ll pay you less for your labor than we would a body shop. That’s because body shops have overhead costs and specialized expertise that most individuals  don’t have.

If you still choose to do the repairs yourself, we’ll want to inspect your vehicle to make sure the repairs are done properly.

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I prefer cash instead of getting my car fixed. Will you just pay me for my damage?

We don’t pay cash for damage for a couple of reasons. The first is safety – we want vehicles returned to the road in safe operating condition. Also, we want to prevent a future owner of the vehicle from claiming the same damage.

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Where can I take my Vehicle for repairs and do you recommend repair shops?

To any repair shop you like. No, we don’t recommend it but we “accredit” many repair shops across Manitoba. Accredited shops must meet certain standards of equipment and training for their staff. The body shop operator can tell you if that shop has our accreditation. Or, we can give you a list of shops accredited in Manitoba.

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Why won’t you pay for a complete paint job on my older car?

The partial painting you’ve allowed may not match the rest of my paint. This gets back to the principle of depreciation. Your Autopac insurance covers accidental damage. It doesn’t cover how much something might be worn out or faded. You’ll find though, that most body shops can match your paint pretty closely, even on an older vehicle.

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How much depreciation might I have to pay?

It depends on the age, condition and the type of part. Here are two examples of depreciation guidelines that our estimators use:

  • Convertible tops – 16-20% depreciation per year depending on condition.
  • Exhaust parts – 20% depreciation per year.

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What is depreciation and why do I have to pay it?

Automobile insurers try to match what they give you to the value of what you actually lost. For instance, equal value for a half worn-out tire is a tire with similar wear – not a brand new one.

But it may not be practical, or even safe, to give you a half worn-out tire. Instead, we’ll give you a new one but you pay half the cost. The amount you pay for wear and tear is called depreciation.

Depreciation is just an insurance company’s way of measuring how much value something has lost from new, through wear and tear.

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I still prefer new parts. Can I have them put on my vehicle instead?

Yes, you can. But you’ll have to pay the difference between the cost of the recycled part or parts  and the new part.  The recycled parts are claimed to be “as good as new” .  As they say – real authentic Ford parts for Ford Motor products are best – yet MPIC will insist that 3rd party or “green recycled parts ”  are just as good.

Remember,  this is not the world of Obama.   Your vehicle is your own private property and you make the ultimate decision what goes in and on.  Plus your truck, car or crossover is your source of reliable transportation .