Little off topic but important question.
12-17-2005, 08:46 AM
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Little off topic but important question.
We all have a pretty penny invested. I want to know if your insurance companies covers all your mods. I have reciepts for almost every part I have purchased. I want to know if your policy covers all your aftermarket parts and who you are insured with?
12-17-2005, 08:53 AM
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Re: Little off topic but important question. (GS-R Civic)
I believe that insurance companies only cover whats stock or "repaired" on your car. If you wanted to cover your modifications, you need to call them up and tell them you have them, then tell them you want to cover those modifications. It's up to you but it does put you in a higher braket. My friend did this on his GSX which is not concidered a sports car in insurance companies eyes. He went from paying a lower insurance to something more or less classified in the sports car range.
Even if you don't have them covered, if an insurance company finds out you've modified your car, it still bumps you into a higher bracket.
Even if you don't have them covered, if an insurance company finds out you've modified your car, it still bumps you into a higher bracket.
12-17-2005, 09:02 AM
#4
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Re: Little off topic but important question. (Boostage)
I never had any different coverage, but when my car was wrote off, i showed receipts for everything, even body work/paint... and i got back almost 10,000 for the car...
12-17-2005, 09:10 AM
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Re: Little off topic but important question. (Topdawgg)
<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by Topdawgg »</TD></TR><TR><TD CLASS="quote">I never had any different coverage, but when my car was wrote off, i showed receipts for everything, even body work/paint... and i got back almost 10,000 for the car...</TD></TR></TABLE>
What insurance do you go through? Because I know mine wont cover any mods.
What insurance do you go through? Because I know mine wont cover any mods.
12-17-2005, 09:15 AM
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you can get an addendum to your insurance with most policies and "state" the value of your vehicle.
In Most cases an adjuster will come out to verify your claim and there will indubedubly be a premiums increase.
I am going to get an addendum in the spring, no point for it in the winter, car is safe ns ound in the ge-rage
In Most cases an adjuster will come out to verify your claim and there will indubedubly be a premiums increase.
I am going to get an addendum in the spring, no point for it in the winter, car is safe ns ound in the ge-rage
12-17-2005, 09:16 AM
#7
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Re: Little off topic but important question. (Topdawgg)
<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by Topdawgg »</TD></TR><TR><TD CLASS="quote">I never had any different coverage, but when my car was wrote off, i showed receipts for everything, even body work/paint... and i got back almost 10,000 for the car...</TD></TR></TABLE>
what company?
what company?
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12-17-2005, 09:33 AM
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Re: (Topdawgg)
<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by Topdawgg »</TD></TR><TR><TD CLASS="quote">I live in halifax, NS Canada... im pretty sure its not gonna work for you guys</TD></TR></TABLE>
?huh im confused by that
I live in NY and i use state farm, and they have an addendum program for an additional cost.
?huh im confused by that
I live in NY and i use state farm, and they have an addendum program for an additional cost.
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