Insurance regarding modification

ExperimentX · Post by **ExperimentX** » November 8th, 2005, 6:55 pm

Basically, anything that alters the performance of the vehicle... I've heard some horror stories about things such as intakes and lowering kits etc. And in cases where people with those mods had an accident the insurance just said "Tough s---, thats not what your car is supposed to have, hence, $0 to you."

Gabor · Post by **Gabor** » November 8th, 2005, 8:02 pm

i had a stock car before. i hit the traffick light. tha car get total.

the insurance said they gona pay for everithyng.

they dont paid for nothing.they said i have to pay for the storage 2500$
the car was ther for a month.

Gabor · Post by **Gabor** » November 8th, 2005, 8:06 pm

anyway if i had a accident i pay from my pocket.

its cheaper

Selecta · Post by **Selecta** » November 8th, 2005, 9:01 pm

Yup engine and suspension is an uber no no

Devlin · Post by **Devlin** » November 9th, 2005, 1:13 am

its unfortunate i'v got an engine swap and suspension then, isn't it? (i believe many of us are in this boat)

what about the claim "my engine was dying (just look at my OD) so i brought it someplace to get a new one put in, and this is what they gave me. I don't know the difference" think they'd buy it?

(they were gonna insure my stereo, had no problem w/ that, but never got the forms to me so i forgot about it)

Selecta · Post by **Selecta** » November 9th, 2005, 8:04 am

Well as far as the engine goes if everything else looks stock I don't see how they would know it's a KL and not a K8

ExperimentX · Post by **ExperimentX** » November 9th, 2005, 10:47 am

Most of the time they wouldn't, depends how smart your claims representative is when they're looking at the vehicle. If they don't notice you're off the hook.

Selecta · Post by **Selecta** » November 9th, 2005, 10:48 am

Ya....things get messy when they pop the hood and BAM there is a massive turbo smack dab in thier face.

phredren · Post by **phredren** » November 10th, 2005, 3:58 am

Selecta wrote: I think the best thing to do is call up and ask the hypothetical to see where they stand on the issue. I mean if they are going to totally tight about it then I would have to see if it's worth telling or simply taking my chances...etc.

I did just that. I called them and told them that I was considering changing my suspension to an aftermarket performance type but I just wanted to see if it was ok with them before I went ahead and did it, I found out at a later date that the weasel I was talking to put a note on my account saying that my car may be modified. So it seems as though if you even mention modification, they're going to be keeping their eye on you. That sort of gives you an idea on how serious they are about the issue.

Devlin · Post by **Devlin** » November 10th, 2005, 7:55 am

then call up anonymously as a potential customer asking what their policy is on modified cars. just don't call from home or any other number they may have on file.

Selecta · Post by **Selecta** » November 10th, 2005, 7:57 am

Well like I have been saying...the only time all the modifications really come into play and stuff is if you are involved in an accident....otherwise you are pretty safe.