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Old 01-25-2007, 06:21 PM   #1
poison
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Default If I do a 2.5 > WRX swap in my TS...

...am I required to tell my ins. company? Obviously, if I want it covered in case of an accident, I do; but am I required to tell them as a matter of course?
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Old 01-25-2007, 06:22 PM   #2
Erudition
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Ahh you are such a sweet kid.

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Old 01-25-2007, 06:24 PM   #3
poison
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Kid? Thanks, you made my day, I haven't been called kid in ten years.

I'm having an argument with a co-worker. I say you don't have to tell; this isn't Europe.
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Old 01-25-2007, 06:25 PM   #4
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If anything you could just say you replaced the engine with another 2.5l. Insurance would ne none then wiser if the only noticable difference was the induction. You may have issues in getting it replaced with another WRX engine, but I dont see why that couldnt be worked out with the collision shop and listed as "replace 2.5l subaru engine".

Other than that. No idea.
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Old 01-25-2007, 06:27 PM   #5
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Quote:
Originally Posted by poison View Post
I say you don't have to tell; this isn't Europe.
Agreed.
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Old 01-25-2007, 06:27 PM   #6
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Sure, it's not like they'll know WTF they're looking at. But I'm talking by law, here.

My buddy's saying I would; that if I got in an accident, and they somehow found out I did the swap, they wouldn't pay anything, because of the horsepower increase. they insured a 165hp TS, not a 227hp WRX in disguise.

I say the police might care, if it was a reckless driving situation, or a civil suit, but Ins won't give two ****s. They just won't cover the replacement of the WRX motor, they'll shell out for a TS motor.
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Old 01-25-2007, 06:29 PM   #7
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Quote:
Originally Posted by poison View Post
Sure, it's not like they'll know WTF they're looking at. But I'm talking by law, here.
I'll call my agent. Gimme a few. :::waiting for boss to leave:::
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Old 01-25-2007, 06:30 PM   #8
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Ah, sweet, thanks! I don't want to call mine, obviously, as this may happen someday.
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Old 01-25-2007, 06:33 PM   #9
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Quote:
Originally Posted by poison View Post
Ah, sweet, thanks! I don't want to call mine, obviously, as this may happen someday.
It may happen with mine as well, but I'm thinking full STi swap after warranty goes out...about 25k miles from now.

::::still waiting::::
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Old 01-25-2007, 06:41 PM   #10
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Quote:
Originally Posted by poison View Post
you don't have to tell
.....
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Old 01-25-2007, 06:42 PM   #11
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Why would you do this?
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Old 01-25-2007, 06:43 PM   #12
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Oh, nice! STi is pretty pricey.
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Old 01-25-2007, 06:44 PM   #13
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on the phone now...
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Old 01-25-2007, 06:47 PM   #14
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Quote:
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Why would you do this?
TS insurance, STi power
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Old 01-25-2007, 06:48 PM   #15
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Quote:
Originally Posted by Immerkuhl View Post
TS insurance, STi power
Swapped vehicle headache and problems.
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Old 01-25-2007, 06:50 PM   #16
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Yes. Technically you have to tell if if your making any modifications to your car that affects the performance and handling. Now obviously there is some reasonable line (new air filter probably wouldn't be an issue), but the insuance company can deny your claim if you "mis-represent" what the car is. It happened to a guy I know. Had an engine swap, slid off the road. Insurance co. said "Sorry, we aren't going to pay you anything". They wouldn't even pay to put him back to stock, let alone the thousands of dollars in upgrades.

Last edited by Howl; 01-25-2007 at 07:21 PM.
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Old 01-25-2007, 06:51 PM   #17
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Agent says: he doesnt know about full swaps. He said alot of people will get valuations on mods like turbos, superchargers, stereos, ets...and add value to the policy to cover claims.

Hes going to call the claims division and find out about full swaps for me. Nice guy. Cheers to State Farm.
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Old 01-25-2007, 06:51 PM   #18
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Quote:
Originally Posted by JewPac42 View Post
Swapped vehicle headache and problems.
Yep..
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Old 01-25-2007, 06:57 PM   #19
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headache and problems ?

you are putting an engine from another trim level in..

an engine that bolts right up..

an engine that was offered in this market, in that year.
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Old 01-25-2007, 07:01 PM   #20
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Ok heres the scoop. The insurance company says: "As long as the aftermarket parts (or engine) is documented (eg: with photos of it in your car and receipts of purchase/installation and whatever else proof you can get of it being in there) they will cover it. If you get an appraisal or valuation of the car with new motor even better. They will honor it as a parts claim, but may or may not honor the added labor to repair/replace a different engine."

So essentially, if you swap, you dont need to tell the insurance agent as long as you document the parts in place and added value to the car. Assuming a swap adds value when in reality it kills the cars value.

(From State Farm. Other insurance companies are obviously going to differ.)
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Old 01-25-2007, 07:04 PM   #21
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Quote:
Originally Posted by Howl View Post
Had an engine swap, slid off the road. .
can't happen, I have AWD.
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Old 01-25-2007, 07:06 PM   #22
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So, if I hit another car, the swap won't matter as far as coverage of the other vehicle.
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Old 01-25-2007, 07:10 PM   #23
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Quote:
Originally Posted by poison View Post
So, if I hit another car, the swap won't matter as far as coverage of the other vehicle.
No idea...didnt ask that.

Heading home. Later.
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Old 01-25-2007, 07:15 PM   #24
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Thanks for the help!
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Old 01-25-2007, 07:47 PM   #25
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Quote:
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So, if I hit another car, the swap won't matter as far as coverage of the other vehicle.
correct
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