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Old 04-05-2001, 08:18 PM   #1
Sooberman
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Post How will modifications affect my insurance?

I always wondered how people got their cars tuned and modified when I hear that insurance companies stipulate that you can't, lest you absolve them of responsibility for coverage in case of an accident. How do you tuners out there do it, or are you all a little outside the law/telling white lies?
Also, I'm sure a lot of mods voids manufacturer's warranties on the cars.
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Old 04-06-2001, 05:32 AM   #2
J Colman
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I think the general course that most people follow is: Mod the car and just dont say anything. I would imagine that if you got into an accident and they saw you ghad all this stuff they probably wouldn't cover it, but thats the risk you take.

Justin
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Old 04-06-2001, 06:18 AM   #3
DLC
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Don't tell them, then if anything happens, swap back what you can.

Warranty?

Don't buy a new car if you're worried about mods voiding the warranty!
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Old 04-06-2001, 06:22 AM   #4
Shinji N
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I'm no so worried about them covering the mods; I'm more worried about them cancelling the coverage. (liability, etc.)
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Old 04-06-2001, 09:53 AM   #5
D$
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Exclamation

Hold on folks. Consider the reasons you have insurance. Let's say you damage your own car - OK fine. However, let's say you damage someone else's property and hurt someone. *Now* it's a big deal when your insurance company says "Uh, we didn't know about this TurboCharger we're not paying a cent" You get sued or something and a few extra bucks a month for insurance doesn't seem so unreasonable.
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Old 04-06-2001, 10:07 AM   #6
bratmantlz
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yeah mods smods i was told by a adjuster and she was VERY nice. that i should get the mods signed for or something. so i am covered and my mods will be good if i have a accident she was very nice about it too. so..... thats what i am doing.
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Old 04-06-2001, 10:50 AM   #7
WhozyerDADDY
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Smile

Insurance, you got insurance!!!! ha ha ha ha

Later,<IMG SRC="http://cwm.ragesofsanity.com/contrib/ruinkai/FIREdevil.gif" border=0>
Noodle
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Old 04-06-2001, 08:17 PM   #8
Skirvdawg
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Horatio's right on the money there. In my policy there's a section that asks if you have any modifications. Then in small print it states that unless the value of modifications exceeds $4000, there is no need to declare them because they are covered. Translated into and out of legalise...they have to cover whatever happens despite any mods that I don't declare because they told me not to declare them. I'm not too worried; I don't think my Ganzflow intake is gonna push my car into a Ferrari-esque policy pricing bracket.
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Old 04-07-2001, 12:17 AM   #9
CosmoTheCat
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It really depends on your insurance company and what the mods are. If you're just talking about a Momo shift knob and STi motor mounts, don't bother. They won't care. If it's a turbo, or ten thousand worth of stereo equipment, DO. I believe there is a certain dollar amount worth of add-ons that most companies will cover on the basic policy. That is because lots of people like different shift knobs, aftermarket stereos, new wings, etc. Those aren't really expensive mods so the insurance co. doesn't really care. If you're talking about Brembo brakes, a fatty turbo, or some other big dollar item then the company might get a little miffed that you didn't tell them.
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Old 04-07-2001, 02:09 AM   #10
Shinji N
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Still I wouldn't be surprised if some insurance companies took performance modifications into thought when they calculate your risk factor.
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Old 04-08-2001, 06:02 AM   #11
Sooberman
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I feel the same as Shinji "I'm more worried about them cancelling the coverage. (liability, etc.)" It's one problem if they won't pay you back for the $3000 turbo system you installed in your car, but it's another if you hurt someone/something (ie. that $100K Ferrari you tried to race that has better brakes)and they say they won't pay a cent because you've changed the vehicle of the car you insured to a point where it is not anything like the vehicle the policy was made to cover.
The insurers cover based partly on vehicle history (accidents and such) and I'm sure on power as well. So I'm guessing the insurance on the WRX will be higher than on the Impreza NA for this reason (*plus* come on, you know that the driver types will be different:lildevil.
I'll look more into my vehicle policy and maybe call up the insurance co.
The last thing I want is to get sued by and individual and my insurance company refusing to pay. Imagine fighting two court cases at the same time!
I asked about the warranty because I have a 1999 Mercedes ML430 and have become very familiar with warranty work. It would really stink if I changed to a cold intake (which voided the warranty) and I ended up paying out-of-pocket for a bad turbo in the first few years. Almost all major companies have wording in all their policies -including warranties- that absolves them of responsibility if you modify the vehicle in any way (except maybe for their approved parts).
Boy, why do I always end up so long-winded when I only have a few things to say?
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Old 04-08-2001, 09:43 AM   #12
Midwayman
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If they try to void your warrenty on a turbo for a cold air intake, show they the (I think) moff-fergason act. Basically says that they *cannot* void your warrenty for aftermarker parts unless a)they are willing to provide you with parts free of charge, or b) they can prove that the aftermarket part caused the problem. Note the burden of proof is on the dealer.
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Old 04-08-2001, 02:47 PM   #13
CosmoTheCat
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Or c) put the stock intake back on whenever it goes in for service.

You might want to look at your liability limits. When I got my policy they took all of my parents choices as default. That was no good for me. Most of my parent's neighbors drive Hondas and Chevys, but up here there are lots of you Microsofties driving BMWs and Porshes. The 30k liability limit wouldn't cover a car if I totalled it, so I had to raise my limits.
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