Is refurbishing an engine betterment for insurance purposes?

Question:
My engine was damaged during an accident. The insurance is paying (after denying my claim and a lot of hassle convincing them that it was damaged due to the accident). I am told there will be a betterment charge. I see the work as being 1) New parts they need = I will have to pay betterment. 2) Labor to rebuild the engine = I don't think I should pay betterment. Correct? 3) Refurbishing the engine. Since I am not getting a new engine, is refurbishing putting the engine back to how it was before the accident (ie no betterment charge) or is it making the engine better (ie I get charged betterment)?

Answers:

If u have a car and u give it to a family member and they have an accident is the insurance still valid?

Depends on what the condition of your engine was and what the damage was in the accident
If it was well worn, you'll be getting a whole better engine, with probably a head job, rebore, new pistons, crank grind and all new bearings. For this you'd pay a fairly large betterment charge.
If it was in good condition, you'd only get new rings and bearings and probably a head job, which would be a whole lot less.
The insurance should pay for engine strip and rebuild plus repair of the problem caused in the accident. If the problem caused any of the things I've mentioned to be affected they should also pay for that also.
I'd arrange for a report from the repairer to cover your a ss, as the insurance company may want diddle you.

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Sounds like your getting screwed to me

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It would all depend on what's done to the engine! I can't imagine the insurance company willing to pay for a complete rebuild! Generally, they'll replace accessory parts that get damaged like radiator, A/C unit, alternators--that kind of thing! I've never heard of them doing overhauls. I could understand theologically if the engine was left running after a major crash and it overheated but then again, they would more than not, total the vehicle! I think they hold the upper hand on this one with these kind of claims raising rates for everyone! I would be more concerned they don't refer this for "insurance fraud investigation"!

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