My catalytic converters were stolen while parked at Portland International Airport (PDX) last week and my insurance company (USAA) will only cover the replacement with the absolute cheapest option available. They note the following NAPA models in the claim estimate: 54567: https://www.napaonline.com/en/p/EXH54567 and 16347: https://www.napaonline.com/en/p/EXH16347
On the NAPA website, both of these models state that they are not legal for SALE or USE in California and Colorado.
I live in Oregon, so they are claiming that this is all they will cover, but I am concerned that if I travel or move to California (a real possibility, my wife's career may change soon) I would technically not be legal and would fail an inspection. I'd then have to tear out these cats and replace them with more expensive ones at my own cost. Is anyone familiar with this practice? It seems wrong that my vehicle is losing the ability to legally operate or be registered in two states after following through with the insurance claim. I understand that they are not required to replace parts with OEM, but it still seems I am not being made whole if I go from a 50 state legal vehicle to a 48 state legal vehicle after the incident.
Has anyone had experience with this type of situation? Is it worth fighting? Any magic words I can use to get my case elevated or reconsidered? I am still working with the claim agent, but getting stone walled so far -- so much for USAA taking care of decade plus loyal customers I guess.
Finally, do you see any other damage or missing components other than the two cats? Front O2 sensor is there and appears unharmed.
On the NAPA website, both of these models state that they are not legal for SALE or USE in California and Colorado.
I live in Oregon, so they are claiming that this is all they will cover, but I am concerned that if I travel or move to California (a real possibility, my wife's career may change soon) I would technically not be legal and would fail an inspection. I'd then have to tear out these cats and replace them with more expensive ones at my own cost. Is anyone familiar with this practice? It seems wrong that my vehicle is losing the ability to legally operate or be registered in two states after following through with the insurance claim. I understand that they are not required to replace parts with OEM, but it still seems I am not being made whole if I go from a 50 state legal vehicle to a 48 state legal vehicle after the incident.
Has anyone had experience with this type of situation? Is it worth fighting? Any magic words I can use to get my case elevated or reconsidered? I am still working with the claim agent, but getting stone walled so far -- so much for USAA taking care of decade plus loyal customers I guess.
Finally, do you see any other damage or missing components other than the two cats? Front O2 sensor is there and appears unharmed.