Welcome to the North American Subaru Impreza Owners Club Saturday August 2, 2014
Home Forums WikiNASIOC Products Store Modifications Upgrade Garage
Tri-State Area Club
Here you can view your subscribed threads, work with private messages and edit your profile and preferences Home Registration is free! Visit the NASIOC Store NASIOC Rules Search Find other members Frequently Asked Questions Calendar Archive NASIOC Upgrade Garage Logout
Go Back   NASIOC > NASIOC Regional Areas > Tri-State Area Forum

Welcome to NASIOC - The world's largest online community for Subaru enthusiasts!
Welcome to the NASIOC.com Subaru forum.

You are currently viewing our forum as a guest, which gives you limited access to view most discussions and access our other features. By joining our community, free of charge, you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is free, fast and simple, so please join our community today!

If you have any problems with the registration process or your account login, please contact us.
* Registered users of the site do not see these ads.
Reply
 
Thread Tools Display Modes
Old 10-23-2003, 06:19 PM   #1
jimb
Scooby Specialist
 
Member#: 9923
Join Date: Sep 2001
Vehicle:
2005 Legacy GT
RIP MBP WRX

Lightbulb Everyone with a modded car, please read.

Just a word of advice for anyone that has invested any money into there car and lives in this area.

Call your insurance company and take out additional insurance on all your wheels, mods, body kits, whatever. Even if it costs a couple of hundred extra in insurance a year, do it.

I didn't, and today I learned I lost over $12,000 in one, single, quite painful shot. I'm not going to get a penny more for my car than if it was a stock rex.

Yeah, I didn't think my car would get stolen, and no, I didn't want to pay the insurance company any more than I needed to. Don't be stupid, call your insurance company tomorrow.

jb
* Registered users of the site do not see these ads.
jimb is offline   Reply With Quote
Old 10-23-2003, 06:33 PM   #2
Paisan
Tri-State Track Instructor
Moderator
 
Member#: 197
Join Date: Aug 1999
Chapter/Region: Tri-State
Location: Edgewater, NJ & Caroga Lk, NY
Vehicle:
'14 Touareg TDI '14
BRZ http://48hrs.info

Default

Yup, it's worth it to have your mods covered. I know if I had my cars heavily modded I'd spring for the extra $. Heck I should do that on my trooper, although I'm not sure it's worth it yet.

-mike
Paisan is offline   Reply With Quote
Old 10-23-2003, 06:38 PM   #3
Roamin'Coyote
Scooby Specialist
 
Member#: 24562
Join Date: Sep 2002
Location: studying for his NEWTs
Vehicle:
05 9-2X Aero black

Default

Really sorry for your loss. But, thanks for sharing your suggestions. Too bad you had to find out the hard way. This was with receipts and pictures and everything? Or did they say you weren't covered for anything more even with the documentation?

On a side note: has anyone with supplemental mod insurance submitted a claim?? Wondering what kind of hassle that is.

wYlie
Roamin'Coyote is offline   Reply With Quote
Old 10-23-2003, 06:43 PM   #4
N'CTRL
Scooby Specialist
 
Member#: 29871
Join Date: Nov 2002
Chapter/Region: Tri-State
Location: Long Island
Vehicle:
2OO2 ~WRX~ Macadamia
Metallic

Default

Damn, that's really sad, sorry to hear it.

Anyway, I know of a few friends that were in the situation, and they didn't get fully covered for their mods. But I think that they got about half of what their reciepts showed back.

Mike~~
N'CTRL is offline   Reply With Quote
Old 10-23-2003, 06:52 PM   #5
Roamin'Coyote
Scooby Specialist
 
Member#: 24562
Join Date: Sep 2002
Location: studying for his NEWTs
Vehicle:
05 9-2X Aero black

Default

thanks Mike! I wonder if the premium increase paid for that 1/2 of the receipts or more (in the insurees case, less).

insurance.
Roamin'Coyote is offline   Reply With Quote
Old 10-23-2003, 08:07 PM   #6
milla
Scooby Specialist
 
Member#: 29361
Join Date: Nov 2002
Chapter/Region: Tri-State
Location: Allentown, Pa
Vehicle:
2006 Zx6R
Green!!

Default Re: Everyone with a modded car, please read.

Quote:
Originally posted by jimb

I didn't, and today I learned I lost over $12,000 in one, single, quite painful shot. I'm not going to get a penny more for my car than if it was a stock rex.

jb

milla is offline   Reply With Quote
Old 10-23-2003, 09:56 PM   #7
Layman
Scooby Specialist
 
Member#: 3717
Join Date: Jan 2001
Chapter/Region: MAIC
Location: Army of Northern Virginia
Vehicle:
2011 Swagger Wagon
bikes with pedals

Default

Wow - that sucks.

When I had my wheels stolen off my old Prelude, USAA covered the loss to the tune of $1200. But I guess it's different since your eitire car got stolen...
Layman is offline   Reply With Quote
Old 10-23-2003, 09:58 PM   #8
tm999xxx
Scooby Specialist
 
Member#: 34408
Join Date: Mar 2003
Chapter/Region: Tri-State
Location: Beat it nerd!
Vehicle:
07 Spec B
SoapBox?

Default

yeah ...i figured people wouldnt get money back..i had two lifted and modded jeeps when i was younger...one burned in the woods and the other was totaled in an accident . I must have lost about the same between the two...

sucks man
tm999xxx is offline   Reply With Quote
Old 10-23-2003, 10:52 PM   #9
jimb
Scooby Specialist
 
Member#: 9923
Join Date: Sep 2001
Vehicle:
2005 Legacy GT
RIP MBP WRX

Default

Sorry, pictures and receipts don't count. You are insuring a stock car worth a predetermined amount. That is what you get paid out on. Like I said, I'll expect all of you to be making phone calls tomorrow. Next time I see someone breaking into a car, mine or otherwise, I'm not going to be a happy camper, and I'm sure as hell not going to show much mercy. I'll never find out who did it, so I'm just going to take it out on the next guy I see. I'll go to hell for it, I don't care.

jb
jimb is offline   Reply With Quote
Old 10-23-2003, 11:04 PM   #10
tm999xxx
Scooby Specialist
 
Member#: 34408
Join Date: Mar 2003
Chapter/Region: Tri-State
Location: Beat it nerd!
Vehicle:
07 Spec B
SoapBox?

Default

Can you take out additional car insurance?....my buddy has d-90 rover that got the radio and center box stolen out of it and he got his homeowners insurance to cover it some how..
tm999xxx is offline   Reply With Quote
Old 10-23-2003, 11:56 PM   #11
4x4GGG
RIP Donny
 
Member#: 12686
Join Date: Nov 2001
Chapter/Region: MAIC
Location: Ocean City, MD ish
Vehicle:
2011 CR-Z EX

Default

Some times INS companies plain suck.

When i totaled my del Sol this year I found out later a local Honda dealership had placed a bid to my INS company before they had even seen the car. A completely stock del Sol with just over 100K miles. Perfect interior, almost perfect body, good paint. That car was mint.

Now all gone.
4x4GGG is offline   Reply With Quote
Old 10-24-2003, 03:32 PM   #12
SjpWrx
Scooby Specialist
 
Member#: 22554
Join Date: Aug 2002
Chapter/Region: South East
Location: Palm Coast, FL
Vehicle:
2007 Corolla no PW!
WHITE miss my WRX :(

Default

Quote:
Originally posted by jimb
Sorry, pictures and receipts don't count. You are insuring a stock car worth a predetermined amount. That is what you get paid out on. Like I said, I'll expect all of you to be making phone calls tomorrow.

jb

How much extra is it to have your mods insured? just wondering.
SjpWrx is offline   Reply With Quote
Old 10-24-2003, 03:53 PM   #13
NJwrbT-WRX
Scooby Newbie
 
Member#: 32848
Join Date: Feb 2003
Location: The Twilight Zone
Vehicle:
2002 WRX
WRB

Default

Funny thing is, all the parts that we replace on our cars, if we wanted to but the OEM parts, they would cost just as much.....OEM wheels are $350 each, I am sure an OEM turboback is at least $1000....

Sorry to hear about it, check with homeowners just to be sure.

-joe
NJwrbT-WRX is offline   Reply With Quote
Old 10-24-2003, 03:55 PM   #14
Prime Mover
Scooby Specialist
 
Member#: 19988
Join Date: Jun 2002
Chapter/Region: Tri-State
Location: NorthWest NJ, Windy Twisties
Vehicle:
05 Saabaru,
08 Big American Diesel

Default

I'm going to go out on a limb and say that this is dependant on each insurance company, and their respective policies.

I had my entire aftermarket stereo system ripped out of my car about 2 years ago. I had head unit, EQ, caps, amps, box, wiring, speakers, yadda yadda.

When it was stolen, I brought all my pics I took during the install (so glad I did that), the receipts I had, and the printouts of pages from the manufacturer's products if I didn't have receipts, all with MSRP value on them.

I got every penny back, minus my $100 deductible. I walked out of the claims office with a > $2300 check in my hand for all my troubles, after and separate from the body repairs to the door, window, lock column, trunk, etc.

I've been with State Farm for a few years now, and had them at the time. They informed me that anything that was 'physically installed into the car' would be covered by comprehensive. This covered anything that could not be easily lifted and carried away, such as a camera, CD case, laptop, etc. Anything that was bolted into or onto the car was termed to be an 'installed part', and was fully covered by my policy (including aftermarket wheels).

So, the moral, is just check what your company will cover. If not, take out additional coverage as long as it's reasonable.

-Gary
Prime Mover is offline   Reply With Quote
Old 10-24-2003, 04:48 PM   #15
NotoriousWRX
Scooby Specialist
 
Member#: 9026
Join Date: Aug 2001
Location: If I knew, I wouldn't be lost!
Default

Jimb, read your policy. You're getting shafted.

Just so you know, most company claims adjusters don't know their a$$ from their elbow. I can't tell you how many times I have gotten involved on my clients' behalf to get claims properly covered because the adjuster didn't have a clue as to how to interpret their own company's policy.

That's all I'll say!

Last edited by NotoriousWRX; 10-24-2003 at 04:59 PM.
NotoriousWRX is offline   Reply With Quote
Old 10-24-2003, 05:29 PM   #16
bluestone
Scooby Specialist
 
Member#: 36583
Join Date: May 2003
Chapter/Region: SCIC
Location: Irvine, CA
Vehicle:
2004 WRX sedan
Aspen White

Default

does that mean it should be covered int he base policy or comprehensive?

Quote:
Originally posted by NotoriousWRX
Jimb, read your policy. You're getting shafted.

Just so you know, most company claims adjusters don't know their a$$ from their elbow. I can't tell you how many times I have gotten involved on my clients' behalf to get claims properly covered because the adjuster didn't have a clue as to how to interpret their own company's policy.

That's all I'll say!
bluestone is offline   Reply With Quote
Old 10-24-2003, 05:40 PM   #17
Prime Mover
Scooby Specialist
 
Member#: 19988
Join Date: Jun 2002
Chapter/Region: Tri-State
Location: NorthWest NJ, Windy Twisties
Vehicle:
05 Saabaru,
08 Big American Diesel

Default

Quote:
Originally posted by bluestone
does that mean it should be covered int he base policy or comprehensive?
Basically just have to read the policy to determine that.

Comprehensive is there to cover anything that happens to your car that is not the result of an accident, which includes fire (pretty sure) and theft. You can use your comprehensive for anything from a broken winshield to keying or vandalism damage, theft of equipment (installed into car, see above post).

I've had my comprehensive cover 3 cracked winshields, 1 car keying, 2 stolen stereos and equipment (and subsequent body damage), and I've never had a change in my premiums for it. That's what comprehensive is there for. You don't need to carry comp. unless your car is financed or there is a loan or lein outstanding against it. Once you own your car outright, you can keep it or ditch it... that's why someone will just have liability and collission on a P.O.S. beater, but have comp. on a newer car, or one that has accessories on it.

-Gary
Prime Mover is offline   Reply With Quote
Old 10-24-2003, 06:25 PM   #18
NotoriousWRX
Scooby Specialist
 
Member#: 9026
Join Date: Aug 2001
Location: If I knew, I wouldn't be lost!
Default

Comprehensive coverage for personal autos is specifically described as "other than collision", so it covers damage caused by anything other than collision subject to common exclusions (war, nuclear discharge, and a few others). You can have comprehensive without collision, but you can't get collision without having comprehensive.

Basically, all insurance companies doing business in NJ use one of 2 general policy forms, either ISO (most common) or MSO.

If something is permanently installed onto your vehicle, then it is part of the vehicle. This is not a point of argument, it is a fact!
NotoriousWRX is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Everyone with STi suspension takeoffs please read. subysouth Brakes, Steering & Suspension 346 12-05-2013 10:50 AM
shipped my car- please read apukid04 General Community 106 06-22-2005 06:01 AM
Lowered cars please read. snow related SjpWrx Tri-State Area Forum 18 12-24-2003 02:35 PM
fog light mod idea...please read..dont just link me Sobelizard109 Newbies & FAQs 2 12-13-2001 07:36 PM


All times are GMT -4. The time now is 12:11 AM.


Powered by vBulletin® Version 3.7.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Powered by Searchlight © 2014 Axivo Inc.
Copyright ©1999 - 2014, North American Subaru Impreza Owners Club, Inc.