95.5-2004 Tacomas & 96-2002 4Runners 4th gen pickups and 3rd gen 4Runners

Stolen CAT covered under Comp Coverage?

Thread Tools
 
Search this Thread
 
Old Apr 23, 2008 | 04:55 PM
  #1  
The Toe Cutter's Avatar
Thread Starter
Registered User
 
Joined: Feb 2006
Posts: 41
Likes: 0
From: Northern CA
Stolen CAT covered under Comp Coverage?

FYI - I'm located in Bay Area CA...Pleasanton.

I saw threads on the board about this, didn't think it would happen to me in broad daylight. I had taken my motorcycle to work in the morning then the truck after lunch due to rain. Parked for only 3 hours come out and find this upon start up.


Anyone tried turning this in as a comprehensive claim? I have a $0 deductible so I might as well try. Funny thing is that I work one of the large insurance companies, but I deal with Budget not claims.

Assuming I don't go through insurance, I debated having a pass through pipe installed, but do guys think a muffler shop will do that for me?

What pisses me off even more is the recycle shops that take these stolen cats. WTF..do they really think when the crackhead comes in that it wasn't stolen?
Reply
Old Apr 23, 2008 | 05:00 PM
  #2  
Jay351's Avatar
Contributing Member
 
Joined: Feb 2007
Posts: 9,055
Likes: 10
From: maple ridge, British Columbia, Canada
Buy a cheapo aftermarket cat. They are like 80-100 bucks TOPS.
Reply
Old Apr 23, 2008 | 05:18 PM
  #3  
CyMoN's Avatar
Registered User
 
Joined: Jul 2006
Posts: 2,149
Likes: 0
From: INDIANA
the recyclers here do not take cats so the meth heads have to sell them to the online company's on craigslist or take them to a bigger city that takes them.
Reply
Old Apr 23, 2008 | 06:10 PM
  #4  
rearviewmirror's Avatar
Registered User
 
Joined: Nov 2004
Posts: 723
Likes: 1
From: AUSTEX fiveonetwo
Sure Comp would cover it. That's what you're paying for.
Reply
Old Apr 23, 2008 | 06:11 PM
  #5  
The Toe Cutter's Avatar
Thread Starter
Registered User
 
Joined: Feb 2006
Posts: 41
Likes: 0
From: Northern CA
Originally Posted by Jay351
Buy a cheapo aftermarket cat. They are like 80-100 bucks TOPS.
I don't think the cheap aftermarket cats will pass CA emmisions...maybe under the sniffer, but not visual inspection. Maybe someone else from CA who has been through this can clarify.

I would like to get away with only $100 for parts and maybe $100 for labor, but I'm afraid that is a pipe dream.
Reply
Old Apr 23, 2008 | 06:13 PM
  #6  
rdlsz24's Avatar
Registered User
 
Joined: Sep 2005
Posts: 1,481
Likes: 6
From: Northern IL
Not that this would happen where I live since it's pretty much just rednecks, but all these stolen cat threads make me glad I've never had a cat on my truck. Hope things work out for you.

Rob
Reply
Old Apr 23, 2008 | 06:55 PM
  #7  
mt_goat's Avatar
Contributing Member
 
Joined: Nov 2002
Posts: 10,666
Likes: 5
From: Oklahoma State
Originally Posted by The Toe Cutter
... I debated having a pass through pipe installed, but do guys think a muffler shop will do that for me?
Not a chance, way too risky for them.
Reply
Old Apr 23, 2008 | 07:29 PM
  #8  
element's Avatar
Registered User
 
Joined: Oct 2007
Posts: 198
Likes: 0
From: Rocky Top, TN
Originally Posted by The Toe Cutter
I don't think the cheap aftermarket cats will pass CA emmisions...maybe under the sniffer, but not visual inspection. Maybe someone else from CA who has been through this can clarify.
I was wondering the same thing and asked about it here (out of curiosity).

Aftermarket cars are cheap and they may not have the longevity of OE cats, but to be CARB approved they have to match the duty rating and emissions control standards set by CARB at the time of testing. Therefore, they would have to pass emissions inspection for performance (provided you can match the duty requirements of the OE equipment).

I guess the question is still what happens when you go to a CA muffler shop and say that you need them to install a cat on your OBD2 vehicle? Do they send you to the dealer? Do they tell you they can but it might not pass smog? Or what?

I think you can make a comprehensive claim, just as you would if the wheels were stolen or any other type of theft (especially if it was parked at your house).

Additionally, Steve J suggested some web sites for CARB approved cats in my thread. A local shop may not want to weld them on if they do not fit though.

Originally Posted by Steve J.
That's about it. CA cats have to be CARB approved. Shops can legally only install approved cats.
Good mailorder sources for CA cats-
Ecatalyticconverter.com
Convertergeek.com

"Direct fit" doesn't always mean it will just bolt on, I found out.
Reply
Old Apr 23, 2008 | 11:03 PM
  #9  
stormin94's Avatar
Contributing Member
 
Joined: Jun 2007
Posts: 4,222
Likes: 4
From: Lake County, CA/Sacramento
Originally Posted by The Toe Cutter
I don't think the cheap aftermarket cats will pass CA emmisions...maybe under the sniffer, but not visual inspection. Maybe someone else from CA who has been through this can clarify.

I would like to get away with only $100 for parts and maybe $100 for labor, but I'm afraid that is a pipe dream.
They will pass. Even with 180,000 miles and Downey headers. Why would anyone buy a NEW Cat that won't pass emissions anyway?
Reply
Old Apr 24, 2008 | 12:13 PM
  #10  
Goin's Avatar
Registered User
 
Joined: Oct 2006
Posts: 148
Likes: 0
From: Christiansburg, VA
Mine was stolen a week or so ago. Comp coverage does cover it. I am also getting a new muffler since they cut the flange of that connects the cat to the muffler. Good luck.
Reply
Old Apr 24, 2008 | 12:35 PM
  #11  
infiltrator's Avatar
Registered User
 
Joined: Apr 2007
Posts: 1,301
Likes: 3
From: Valencia, California
I got one of those "cheap" aftermarker cats installed and I live in CA. The guy told me they would definately pass the smog test no problem, and if it didn't, and the cat was the cause, I could take it to him, and he would take care of me.

$120 welded on there, not too bad considering if I had a 3rd gen it would be over $300. Thank god for OBDI.
Reply
Old Apr 24, 2008 | 10:53 PM
  #12  
stormin94's Avatar
Contributing Member
 
Joined: Jun 2007
Posts: 4,222
Likes: 4
From: Lake County, CA/Sacramento
Originally Posted by infiltrator
Thank god for OBDI.
That's the truth.
Reply
Old Apr 24, 2008 | 11:24 PM
  #13  
Lysmachia's Avatar
Contributing Member
 
Joined: Sep 2005
Posts: 5,400
Likes: 0
From: Clear Lake City, TX
I swear some day soon we are going to have a section for nothing but stolen cats because we get at least 1 post about it per day. It's hideous that the governemnt (national, state, local) don't do something about trying to hamper it!
Reply
Old Apr 25, 2008 | 02:55 PM
  #14  
paxam's Avatar
Contributing Member
 
Joined: May 2003
Posts: 217
Likes: 0
From: S florida
I have not heard of cats being stolen here in Miami.. copper all day long, A.C. units from work,generators and the electric co getting live cables cut down but not cats.
Reply
Old Apr 25, 2008 | 08:50 PM
  #15  
Steveh29's Avatar
Registered User
 
Joined: Aug 2004
Posts: 738
Likes: 0
From: San Antonio, TX
There seem to be multiple cat threads and all this concern around CARB and smog checks. I never had a problem with any of my cheap cats in Los Angeles. Here's a link to my experience.

https://www.yotatech.com/forums/f2/c.../#post50813404
Reply
Related Topics
Thread
Thread Starter
Forum
Replies
Last Post
punks_is_4x4
86-95 Trucks & 4Runners
10
Aug 21, 2015 01:35 PM
izzmee
86-95 Trucks & 4Runners
9
Aug 17, 2015 10:20 AM
Sidherish
86-95 Trucks & 4Runners
1
Aug 2, 2015 01:42 PM
musashi86
California SoCal
0
Jul 7, 2015 03:31 AM




All times are GMT -8. The time now is 04:37 AM.