Otherwise you might not be insured.....

Hopefully not a repost

 

Fucked up

 

oh hell no!

 

did u just find that out now? thats been around for years and years that if u modify your car depending on the insurance company they can uninsure you.

 

I didn't now that.....

So..... If you:

- put on wider wheels and tires (more traction/grip)

- put on sways (better handling)

- change the suspension (also better handling)

you can be possibly be dropped or denied claims by you insurance company regardless if your car is "safer" to drive.

 

lol my buddy has an 01 alero with everything custom except his windows. thats pretty much the only thing stock and they told him the same thing. it sucks, but i can see where they are coming from.

 

It's not the cars, it's the drivers that are the problem. They'll never get it right.

 

Wow would your insurance company know?

 

makes sense

and u guys deep down all know it

erock, if only everything was that simple...

give it 3 more years, and i bet all insurance companies are gonna start getting seriuos about it.

however, eventually, there will be alternatives, but its gonna be a good 10 years before those doors are available to us

 

Erock , clean ur PM BOX. supermesh will be here soon. let me know on AIM or something.

 

amir, we don't wanna admit it BULLSHIT

SO if you wreck your car, they come to check out the damage, see mod's, then they can deny the claim?

 

The modifications almost always corelate with the drivers personality and behavior.

 

there are many cases where this is not true, but imore than likely, it is...and if i was an insurance company, i wouldnt wanna insure them either...

its reality, i know it sucks to admit it and hear it...but its the truth.

 

True, but not exactly.

I'm a moderately aggressive driver. If you gave me two TL-S, one with modifications and the other stock, I would most definitely push the modified one to higher limits, therefore increasing my chances of getting into a wreck or whatever.


You can insure your modifications with your insurance company, too, by the way.

The only reason that this is not that serious, at least for now, is because when you insure your car and add modifications, the insurance company doesn't have to pay out for those mods. You can drop a 30,000-dollar 454 crate motor in your car, and the insurance company won't pay you for that engine when your car gets totalled in an accident.

However, it's the FREQUENCY of these pay-outs that bugs the insurance companies, because people like us who modify our cars, indeed actually push our cars to higher limits, therefore posing a high risk.

I honestly don't see this becoming a big problem. That policy has existed for a long time, and even if they really wanted to crack down hard, SEMA wouldn't just sit there with their thumbs up their butts, anyway. Not to mention millions of absolutely pissed off auto enthusiasts and aftermarket parts companies, all of whom form a multi-billion dollar market annually.

 

WTF, gonna contact my broker... this shit can't be true, since I also live in toronto....

 

that is really phucked up!!! what about all the american cars that have superchargers and loud ass exhausts that tear up the street setting off every alarm as they go by.

what about the loud ass modified harleys that you can hear a mile away.

if they are gonna write off a small segment of sport compact owners, i can smell a class action suit coming out soon.

 

What they don't know won't hurt them! There is no 'clause' on the contract saying insurance is violated with 'modifications'.

If you get into an accident, they could refuse to insure you from that point onwards with a modded car, but cannot refuse to not cover that particular incident.

However, if you crash your car the the track or while 'street-racing', it won't be covered!!

 

i wouldnt contact anyone if i were u....unless you trust your broker

 

This doesn't bother me one bit. Most insurance companies won't even think that an Acura CL would be modified as a civic or celica would. I don't expect my insurance agent knocking on my door any time soon to look under my hood anyway.

Why would you want to do that?

 

omg that makes me feel insecure

 

Why is everyone shitting bricks?

Like I said above, we have SEMA protecting our rights as auto enthusiasts. On top of that, we're a part of an annual multi-billion dollar industry. If insurance companies start enforcing heavily and people stop buying aftermarket parts, the industry will suffer severely, and it will put a dent on the economy. The government will intervene and regulate the insurance situation.

Personally, we've got absolutely nothing to worry about.

 

take off my mods? sure, i'll get right on it. :gaylaugh:

 

What mods?

I don't have any.

 

that will never fly in CA

 

Those upgrades you see are just oversized spinning hub caps...Bought from my local wal-mart. As for the interior upgrades they said that the cherry air freshener adds 10 WHP.

I would not worry...and I think you might be crazy to call your insurance company and tell them that you modofied your car out of spec...

 

never heard of one out here careing. Hell the lady went over my car to the T to make sure I had everything covered.

 

I wud not suggest calling ur Insurance company to ask them abt the Mods,however if U know an inside person he'll be able to give u true and accurate info...

 

I wud try yo find an "inside man" in Insurance field..UR Broker wud never give u the complete picture..

 

this is only in Canada, the rest of us don't need to worry about it, insurance companies would be stupid to do something like this because there will be one company that will allow it and everyone will go to them. I don't know about up there but down here you'd be stupid not to mention what you have because otherwise you aren't gonna get them covered.

 

Who me?? I don't have any stinking mods either . . .

Ruf

 

CL power you got AIM???

 

This is ridiculous.

 

This is a good point, but moreover the insurance industry has a hidden agenda: the have a hand with auto manufacturers to enforce the purchase of OEM parts, not inexpensive substitutes or other aftermarket exotic modifications.

I think they'd like to clump aftermarket performance parts and crash replacement parts into one category that basically identifies a non standard part and hence drop coverage.

It costs billions for replacement parts for the industry and some parts are not all made the same sacrificing lives and safety. That's why the policy makers are shook up when non-OEM parts are substituted into vehicles.

 

market forces drive demand elsewhere. ahh the power of econ, you're learning grasshoppa!

 

FU insurance company, I pay for this bitch, Imma do what I want to it.

 

I have State Farm and my insurance agent knows about my car mods... HE TOLD ME VERBALLY THERE IS NO PROBLEM WITH MY MODS.. JUST KEEP THE RECEIPTS INCASE I HAVE TO FILE A CLAIM.

 

true, if you mod your car, chances are you drive faster and crazier. yes, this may not be true about EVERYONE. but insurance companies are all ab stereotypes and probabilities.

 

That is news to me. My ex-roomate had a 98 GT Mustang fully modded....pretty much a show car, everything plus a nice triple coat paint and after someone blew a red light in 2001 and they hit him going through the intersection...he got found innocent of the accident and the insurance company in MA paid him for the mods he had since he had them documented in photographs and REAL receipts. They did bark at first...the "show car" thing is what got them. As you stated...depends on the company...but I thought that he had one of the big ones...Allstate or Metlife or something. They whined at first when he said he had $10K worth of parts in it after they totalled the car but they ended up paying and he put the stock parts on his car and put them on another GT. They don't count mod parts into value of the car as far as total though...

 

I faxed my insurance agent the article.
he stated "There are underlying factors"..... If the insurance co. finds out that the guy drag races the car (i.e. get multiple tickets from street racing or if the guy has claims from damage taking place at the drag strip) then they can easily drop your insurance.

Let it be known there is more to that story.....

You guys need to remember to that everything you read is not true. There are plenty of modified motorcycles, classic cars, hot rods, etc.

There is something about that story that is not being told... my guess would be that the guy is lying about his past claims...

All I know is this.. my insurance agent knows about my moddified auto and there is NO PROBLEMS about coverage.

P.S. alot of guys that track your car do know that if you wreck your car or make a claim at the drag strip/street race or road course then your insurance can get dropped!!!.... this is why I do not take the risk of tracking my car... no need to take unwanted risks.

 

It's not! :gasp: There is some truth, some internet fantasy in this. In an extreme case, your insurance company might make a judgement based on your driving record and what has been done to the car. For the other 99% of us I doubt there is any worry today. However.......and I say however.....the insurance lobby is the one that gave us 23 years of 55MPH. SEMA can only lobby so hard. The insurance companies have lots more moola.