Originally Posted by
Chris078
As the galvanized chassis is standard from the factory, technically they DO need to do it.
Correct, as mainstream insurers tend to insist on (for ins repairs) genuine parts and OEM or equivalent methods and sealant materials so redipping would be inline with this requirement and also in line with their offering of lifetime warranty on repairs (again for most mainstream insurers)
As for the whole it won't rust thing, that's a fairly large pile of something that smells bad. That's the whole reason for hot dip galvanizing, to prevent rust. You can cold gal it, but that's not the same thing as it does not protect the internal part of the weld.
Lastly, as for getting a payout and having the insurer not have rights to the car, that all depends on the agreement you make with the insurer.
Your agreement when you take out insurance is that if the car is written off they have salvage rights over the remains. Unless you have a salvage rights agreement.
If you hit someone then your insurance covers repairs to the other vehicle, usually once fault has been established then the insurers each pay for damage and then money is exchanged between companies accordingly. If there's an issue then the no fault insurer will usually pay out to get things moving as either way the car is covered (this is why you make sure that you're claiming against THEIR insurance not yours) and then claim the costs back from the at fault co.
If someone hits you then why should you give your vehicle to a company that has not received a cent from you for coverage but will sell it off to profit? They agree to cover their risk, the driver they insure and assess premiums on their history and based on the value/age of the car covered.
However, I have never heard of a settlement that does not include transfer of title of a written off vehicle.
Insurance with retention of wreck for one.