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Your Car Could Be a Time Bomb: Why Independent Inspections Are Non-Negotiable

Every year, thousands of drivers unknowingly put their lives at risk by purchasing vehicles with counterfeit parts or substandard repairs. These hidden dangers can turn a seemingly good deal into a potential disaster.

Unseen Dangers: Counterfeit Parts

In recent warnings from NHTSA (the National Highway Traffic Safety Administration), the dangers of counterfeit or substandard airbag inflators has come to light yet again. These counterfeit parts, sometimes sold as steering wheel airbags, complete with imitation OEM logos, can be as dangerous as the faulty recalled Takata airbags of 2015 that sent deadly shrapnel into the faces of accident victims. Unfortunately, the threat didn’t end there. As The Drive and MOTOR reports, counterfeit airbags have been linked to multiple recent fatalities, and their ongoing proliferation is an alarming trend that should concern every vehicle owner among us. Some estimates put the number of counterfeit airbags has hit or surpassed 250,000!

One particularly harrowing story involved a victim, 34-year-old Sarah Loughran, who unknowingly had a counterfeit airbag installed in her vehicle. When she was involved in a head-on collision, the airbag failed to deploy, leading to her tragic death on impact with the steering wheel. In the post-accident inspection, what was thought to be an airbag was revealed to be nothing more than a shop rag stuffed inside an airbag shell, and no actual airbag—essentially a ticking time bomb behind the steering wheel.

These counterfeit airbags are often made from a mix of used and unapproved parts, making them almost indistinguishable from genuine ones to the untrained eye. They can even be sold as “new” on platforms like eBay or Craigslist, where unsuspecting buyers might opt for the cheaper alternative, thinking they’re getting a good deal. The practice is not only dangerous but also profitable for counterfeiters, leading to tens of thousands of these fake parts being distributed across the country.

This issue is more than just a few bad actors; it’s a systemic problem that has prompted North American vehicle manufacturers to band together through the Automotive Anti-Counterfeiting Council (A2C2). This organization is actively working to combat the spread of counterfeit airbags and other automotive parts, pushing for stricter legislation and better enforcement to protect consumers. Despite these efforts, the problem persists, particularly in the online marketplace, where counterfeit parts can easily slip through the cracks.

Unsafe Repairs – An Alarming Trend

But it’s not just counterfeit airbags that pose a risk. Substandard repairs, particularly after a collision, can compromise your vehicle’s safety in ways that aren’t immediately visible. A CIC (Collision Industry Conference) study on post-repair inspections, reported on by Auto Body News, highlights how poor-quality body and frame repairs can result in long-term safety issues, from faulty frame or suspension alignments to improperly installed parts that may fail in the event of another accident. From my experience, it’s unfortunate, but I’ve observed key structural components installed incorrectly and safety sensors left unplugged. The fallout of poor repairs is often hours of the owner’s time wasted returning to the shop, or just living with the flaws and risks.

The Collision Industry Conference study found a staggering 90 percent of their recent post-repair inspections condemned the vehicles to total loss status. An absolutely shocking audit result! These hidden auto body repair flaws can be similar in risk to the airbags, where what seems like a minor issue can lead to severe injuries and even fatalities.

The Importance of Independent Inspections

Given the risks, the importance of an independent, thorough vehicle inspection cannot be overstated. These tragedies underscore the urgent need for rigorous vehicle inspections, and that many vehicle owners are unaware that their cars may harbor counterfeit airbags or other substandard parts. A fully independent inspection is one of the only ways to ensure that your vehicle is truly safe.

Unfortunately, not all independent repair shops follow the stringent standards necessary to guarantee your safety, and chances are, your local dealer’s body shop is not be certified by the OEM for collision repairs, as the majority are not. Many body shops have DRP (direct repair partnership) with the insurance companies, a large source of revenue for shops with them. These DRP agreements make it difficult for the shop to provide a full-throated advocacy on your behalf when the future of the DRP relationship could be at stake. As we saw in this $31.5M lawsuit stemming from major injuries linked to improper prior repairs, following OEM procedures strictly is very important, whether a DRP agreement exists, or not.

Additionally, Certified Pre-Owned vehicles can harbor substandard repairs or counterfeit parts and certainly low-budget used car lots can be highly suspicious. For example, this one was recently caught selling cars with fake airbags. Essentially, no used car is immune to the risks above and should be scrutinized before any purchase and after any repair.

An independent inspection, like those offered by Ryckman Appraisals, will assess every aspect of your vehicle’s condition, from the quality of any repairs to the authenticity of parts used. This level of scrutiny is crucial to ensure your car is truly roadworthy and safe for you and your loved ones.

What You Can Do

Your safety and that of your loved ones is priceless. Don’t leave it to chance with hidden dangers lurking beneath your car’s surface. Ensure your vehicle is truly roadworthy by investing in a comprehensive independent inspection with Ryckman Appraisals. Our experts will meticulously examine every aspect of your vehicle, from the authenticity of parts to the quality of repairs, giving you the confidence and peace of mind that every mile you drive is a safe one. Take action today—because when it comes to your safety, there’s no room for compromise.

For the DIY-ers among us, you can start your own search for free here at NHTSA’s recall search page to check for unrepaired recalls by entering your VIN number. They also offer free resources for researching your cars history, a key starting point for any investigation into prior repairs. Of course, we include these reports standard in all of our paid services.

Call us today to discuss your case or reserve your report below so we can get started. Trust Ryckman Appraisals to give you peace of mind with every mile you drive.

References

The Drive. “Knockoff Airbags Are Here, and They’re Killing People.” The Drive, November 30, 2021, https://www.thedrive.com/news/knockoff-airbags-are-here-and-theyre-killing-people.

Motor Magazine. “Counterfeit Airbags: A Deadly Public Health Hazard and Industry Challenge.” Motor Magazine, October 2023, https://www.motor.com/2023/10/counterfeit-airbags-a-deadly-public-health-hazard-and-industry-challenge/.

NHTSA. “Used Car Owners, Buyers: Dangerous Replacement Air Bag Inflators.” National Highway Traffic Safety Administration (NHTSA), June 1, 2023, https://www.nhtsa.gov/press-releases/used-car-owners-buyers-dangerous-replacement-air-bag-inflators.

Consumer Reports. “Takata Airbag Recall: Everything You Need to Know.” Consumer Reports, June 16, 2023, https://www.consumerreports.org/cars/car-recalls-defects/takata-airbag-recall-everything-you-need-to-know-a1060713669/.

Auto Body News. “Poor-Quality Collision Repairs Cost Everyone, Study Finds.” Auto Body News, August 15, 2023, https://www.autobodynews.com/news/poor-quality-collision-repairs-cost-everyone-study-finds.

Repairer Driven News. “Jury Awards $42M Over Incorrect Texas Auto Body Repair.” Repairer Driven News, October 2, 2017, https://www.repairerdrivennews.com/2017/10/02/jury-awards-42m-over-incorrect-texas-auto-body-repair/.

The Sun. “Dealerships Trick Drivers With Fake Safety Devices, Putting Lives at Risk.” The Sun, June 19, 2023, https://www.the-sun.com/motors/12145462/dealership-tricking-simulator-device-hid-safety-drivers-life-risk/.

NHTSA. “Recalls.” National Highway Traffic Safety Administration (NHTSA), https://www.nhtsa.gov/recalls.


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Eric Ryckman


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Eric Ryckman

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The automotive repair industry has evolved significantly in recent years. With changes in the technician workforce and an increasing demand for services, wait times for repairs have extended. It’s now common for vehicle owners to wait several weeks for an estimate appointment, and even longer to schedule the repair.

Navigating this new terrain can be daunting, but with the right knowledge and preparation, you can ensure your vehicle receives the best care. Here are some tips to help you select the right body shop for your repairs.

1. Anticipate Extended Wait Times

Patience is crucial in today’s automotive repair climate. Be prepared for long waits and plan accordingly. Some shops may promise a quicker turnaround time to secure your business, but ensure they can deliver on this promise.

2. Seek Out an OEM-Certified Body Shop

Consider looking into an Original Equipment Manufacturer (OEM)-Certified body shop. These shops meet advanced credentials that not every local dealer’s body shop can match. They are more likely to have specialized tools that make certain jobs or tasks easier, ensuring a more efficient and effective repair.

3. Insist on a Comprehensive Inspection

Before pre-ordering parts and scheduling repairs, ensure the shop conducts a thorough inspection of your vehicle with you. This helps avoid the frustration of discovering overlooked damage that could cause significant delays.

4. Look for I-Car Gold Status

The I-Car Gold industry designation is a significant achievement for shops. If you can’t find an OEM-Certified shop or other highly-rated alternative nearby, consider choosing an I-Car Gold Status shop.

5. Compare Multi-Shop Operators (MSO) to Locally Owned Businesses

Taking your vehicle to an MSO like Caliber, Crash Champions, CollisionRight, or ABRA provides certain protections. These MSOs have regional or territory managers you can turn to if your local shop staff isn’t meeting your expectations.

Expect to possibly lose the personal experience you’ll get with a more locally focused owner operator run shop.

There are great shops in both categories. Do your own comparisons.

6. Check the Shop’s Lot

A quick look at the shop’s lot can give you an idea of their current workload. If you see disassembled cars scattered around, it might indicate the shop is struggling to complete jobs in a timely manner.

7. Trust Your Instincts

If something doesn’t feel right, it probably isn’t. Trust your instincts when choosing a body shop.

8. Review the Estimate

Insist on reviewing the estimate before work begins. This gives you a clear understanding of what repairs are needed and how much they will cost. Most of the time, the estimate goes back and forther between your shop and adjuster. But, you should stay informed about any changes to the estimate (called supplements)

9. Check Online Reviews

Online reviews can provide valuable insight into a shop’s reputation. Look for recent complaints that might indicate a decline in service quality. One or two is typical for any business, but many complaints is a clear sign that if you take your vehicle there…you’re going to have a bad time.

10. Consider an Independent Appraisal

After your repairs are completed, consider having them reviewed by an independent appraiser like Ryckman Appraisals. This can provide peace of mind that the work was done correctly.

Bonus Tip: Be Smart About Rental Cars

It is very unfortunate to run out of rental car coverage long before your repairs are complete. Don’t expect that your adjuster or your shop are just going to cover the rental overage; they likely won’t. Be prepared and you’ll be grateful you did.

Each state has different rules, but in many cases, you’re allowed to spend your rental car allowance as you see fit. You can rent a vehicle intermittently as needed to conserve funds. If you’re using your insurance policy to cover the rental, remember that there’s probably a maximum limit. You can stretch it out this way and save.

Choosing the right body shop for your vehicle repairs is crucial. By following these tips, you can navigate the process with confidence and ensure your vehicle gets the care it deserves. Remember, the right body shop will not only repair your vehicle but also provide you with peace of mind.


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Eric Ryckman


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Eric Ryckman

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Introduction

Experiencing a total loss of your vehicle can be a stressful and overwhelming experience. It’s not just about the loss of your beloved car, but also the daunting task of negotiating with insurance companies, and finding a suitable replacement vehicle. Not to mention, total losses from collisions tend to be more severe accidents and people can be hurt. No matter the situation, I hope to see you get paid fairly for your vehicle. You shouldn’t be paid short for the complete destruction of one of your important investments, your vehicle.

When you’re navigating your total loss claim, one of the most effective strategies to ensure you receive a fair settlement is to prepare a well-crafted counter-offer. Assuming you don’t get a great offer up front, you’re going to want to be prepared to negotiate like a pro, so bookmark this guide for later if you’re going to do this yourself. This article will guide you through the process, focusing on Maryland’s specific regulations and offering tips on how to select comparable vehicles. This is the framework that we follow ourselves.

Understanding the Rules: COMAR 31.12.15

In Maryland, the rules of the game are defined by COMAR 31.12.15. This regulation provides a clear definition of what constitutes a “substantially similar” vehicle. Essentially, it should be the same make, model, and year as your vehicle, with similar options, condition, and mileage. Understanding this definition is crucial as it forms the basis of your counter-offer.

The insurance company will likely use a computerized guide to determine the value. Your counter-offer should be made on actual vehicle advertisements reasonably close to you.

Choosing Your Comparable Vehicles

Selecting the right comparable vehicles is a critical step in preparing your counter-offer. Here’s a step-by-step guide:

  1. Start with Reliable Sources: Begin your search on reputable websites like AutoTrader.com or at local dealerships. These sources provide a wealth of information and a wide range of vehicles to choose from.
  2. Apply the “Substantially Similar” Filter: Remember the definition from COMAR 31.12.15? Apply it here. Look for vehicles that match your vehicle’s make, model, year, condition, and mileage.
  3. Consider the Details: Pay attention to the finer details such as the vehicle’s options and features. These can significantly impact the vehicle’s value and should be similar to your vehicle.
  4. Document Your Findings: Keep a record of all the comparable vehicles you find. This will serve as your evidence when presenting your counter-offer. Print or screenshot them. Saving links and shortcuts may not be available when it comes time to share them with your adjuster.

Crafting and Submitting Your Counter-Offer

Once you’ve selected your comparable vehicles, it’s time to craft your counter-offer. Present your case in writing, clearly explaining why your valuation is more accurate than the insurer’s. Include the details of the comparable vehicles as evidence to support your claim. Remember, preparing a well-crafted counter-offer is not just about getting a fair settlement, it’s about standing up for your rights and property. Take your time and read it thoroughly.

Once your counter-offer is ready, submit it to the insurance company. Write clearly in the letter that you are kindly rejecting their offer and submitting your own counter-offer. Then, explain the amount you’re countering. Be concise and ask for a reply ASAP.

Patience is Key

Under Maryland law, the insurance company has five business days to respond to your counter-offer. However, in reality, it often takes between a week and a month for them to reply. We understand that this can be a frustrating wait, especially when you need the settlement money to purchase a replacement vehicle. But remember, patience is key. Stay politely persistent and follow up regularly until you reach a resolution.

If you feel this process is being drawn out too far, you can complain to the Maryland Insurance Administration. If enough people complain about violations of COMAR, the MIA will take note and may look further into the issue. Hopefully, your case doesn’t come to that.

Conclusion

Dealing with a total loss claim can be a challenging journey, but you don’t have to take it on alone. We can do the work of researching your vehicle, providing an accurate appraisal, and aiding with your counter-offer. Often, our services pay for themselves multiple times over when you get thousands more for your vehicle, and our services are only a fraction of that.

At Ryckman Appraisals, we’re here to help you secure the compensation you deserve. Contact us today.


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Eric Ryckman


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Eric Ryckman

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Introduction

Imagine you’re at a high-end auction, eyeing a beautiful, vintage sports car. It’s in pristine condition, or so it seems. Just as you’re about to raise your paddle and place a bid, the auctioneer mentions that the car was involved in a major accident. Suddenly, the car doesn’t seem as appealing, does it? This, dear reader, is the concept of diminished value in a nutshell.

What is Diminished Value?

Diminished value is the reduction in a vehicle’s market value after it has been damaged and repaired. It’s like a permanent scar on your vehicle’s history report, a tattoo that says, “I’ve been through the wringer.” No matter how well the repairs were done, the fact that the vehicle was damaged will always be a part of its history, and this can significantly impact its resale value.

The Three Types of Diminished Value

Diminished value has a few variations that will apply to automobiles.

  1. Inherent Diminished Value: This is the automatic loss in value from a collision. It’s like a stain on a white shirt – even if you wash it, the shirt will never be “new” again. This is the type that is claimed in automobile damage claims. Most insurers expect to see the completed repairs before processing a claim for diminished value.
  2. Repair-Related Diminished Value: This occurs when the repair job isn’t perfect. Repairs that are not great quality and have visible defects will affect your vehicles value. These flaws can complicate how much inherent diminished value you can effectively claim.
  3. Immediate Diminished Value: This is the difference in resale value before and after the accident, assuming immediate repair. This is the stand-alone diminished value independent of the repairs. You will seldom have an insurer pay the claim on the basis of this amount.

How is Diminished Value Calculated?

In general, Diminished Value (DV) is calculated by first determining the base loss of value, which is the vehicle’s pre-accident value obtained from reliable sources like the Kelley Blue Book. Then, a damage modifier is applied, which is a percentage representing the severity of the damage. Additionally, a mileage modifier is considered, representing the vehicle’s mileage and its impact on the value. The final diminished value is obtained by multiplying the base loss of value by both the damage and mileage modifiers. This calculation provides an estimate of the vehicle’s value post-accident, reflecting its diminished value due to the incurred damage.

Why Should You Care About Diminished Value?

If you’ve ever been in an accident, diminished value is the silent thief that can rob you of your vehicle’s worth. When you sell the vehicle and the next buyer pays less because of the accident, you had a “loss”.

Conclusion

Understanding diminished value empowers you to fight for a fair claim and ensures you’re adequately compensated for your loss. So, the next time you find yourself in a fender bender, remember the tale of the vintage sports car and the silent thief. Don’t let diminished value sneak up on you.

Remember, at Ryckman Appraisals, we’re always here to help guide you through the complex world of vehicle appraisals. Because in the end, we believe that knowledge is not just power, it’s your vehicle’s best defense.


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Eric Ryckman


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Eric Ryckman

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Introduction:

Experiencing a total loss of a vehicle can be a daunting experience. In the midst of dealing with insurance companies and adjusting to the loss, you also need to prepare for a total loss vehicle appraisal. This process is crucial as it determines the payout you will receive. This post will guide you through the necessary steps, essential documentation, and important questions to ask during the appraisal process.

Understanding a Total Loss Vehicle Appraisal

A total loss vehicle appraisal is conducted when your vehicle is damaged to the point where the repair costs exceed its market value. The purpose of this appraisal is to ascertain the pre-loss value of the vehicle, providing a benchmark for insurance claims. At some point, you’ll have a chance to read this appraisal in detail. It will help if you’re familiar with your vehicle’s technical specifications ahead of time.

Gather Necessary Documentation

Before the appraisal process, gather all relevant documentation related to your vehicle. This includes:

  • Vehicle title
  • Maintenance records
  • Receipts for any modifications or enhancements
  • Any documentation regarding options, accessories, add-ons and other packages.

Review Your Vehicle’s Features and Options

Often, appraisals miss out on certain options, equipment, or packages that can significantly affect the value of your vehicle. It’s essential to review the details of your vehicle’s build, such as the Monroney “window” sticker or build sheet. These documents will list out all the features and options that came with your vehicle, helping you identify any overlooked elements that could influence the appraisal value.

Ask the Right Questions

During the appraisal process, don’t hesitate to ask questions. Here are a few to consider:

  • How is the pre-loss value of my vehicle determined?
  • What factors could affect this value?
  • How are overlooked options or features taken into account?

What to Expect from the Appraisal Process

The appraiser may inspect your vehicle in-person or using photos or videos. The purpose is to review its pre-accident condition, mileage, options, and any other relevant factors. They will also look at current market data for similar vehicles. After the appraisal, you will receive a comprehensive report detailing the vehicle’s pre-loss value. This is where it’s critical to take some time to review the document.

You may want to quickly accept the offer and move on. But even a cursory review of the appraisal can sometimes unlock hundreds of dollars in valid adjustments and corrections.

By taking the time to outline any discrepancies you see and then go over them with the adjuster, you can help ensure your appraisal is much more accurate.

Conclusion:

A total loss vehicle appraisal is a critical process that significantly affects your claim payout. It’s important to be well-prepared with all necessary documentation, a good understanding of your vehicle’s features and options, and the right questions to ask. This preparation will ensure you receive a fair and accurate appraisal that reflects the true pre-loss value of your vehicle.

If you’re dealing with a total loss vehicle and need an expert appraisal, don’t hesitate to contact us at Ryckman Appraisals. We are committed to providing accurate and transparent appraisals, helping you navigate the challenging aftermath of a vehicle loss. Feel free to leave a comment below if you have any questions or experiences to share.


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Eric Ryckman