ok heres what i was wondering. i want to insure my car for the value of my mods incase anything were to happen to it. the question is how many of you have done this and can the insurance company drop me due to my mods. i know im going to pay more for them but i dont want to get dropped because of it. what did some of you do to get the mods insured. i know im gonna need reciepts and pics anything else?

also for any of you that have and later the car was stolen did they try blaming the theft on you. i know some insurance companies are like that. i have insurance with nationwide, and have had it for 3 years with them with my R. now, is there any companies that handle modded cars better than others?

thanks in advance

 

All I have to say is good idea. I know a guy who had his LS stolen, They gave him $13 for his turbo. Now, specifically, with your question, I have no clue. I'm just offering support. -

 

you should be able to tell your broker what you have (reciepts in hand) and have them add it on, should be simple and should cause no headaches.

As long as your mods are street legal and stay with in the law.

 

would telling them im turboed cause a problem?

 

is it legal? CARB legal too?
Can you pass MV inspection?

If your using the car everyday- you would want it to be legal anyway...

But if its a show car- not driven then they should say nothing.

 

Depends who your insurance agent is as well. State Farm will drop you like a bad habit. You can use the excuse you need additional towing power for pulling a jetski, but it would need to be state legal and pass inspection. (Power mods, that is.) If the front end was OEM Honda equipment, it would be ok. But, be careful telling them why you changed from USDM to JDM front-end. Additionally, it has not passed the US safety standards, either.

 

some insurance companies offer solutions for modified cars. a friend of mine added $5k worth of coverage for $100 extra a month (I think)

 

Make sure before you plan on getting into tuner or any further that you call them. I invested nearly 15 g's into my VW and when i crashed it my insurance turned their back. They didn't cover any of my after market parts

 

so if i were to changed my front from usdm to a jdm front-end will they not cover me?

 

They might not cover the whole thing. I think AAA full coverage will cover aftermarket parts with no extra payments(not sure).

Most companies will actually give you a percentage of the cost of your parts, never the whole total cost. At least not without paying a lot extra.

They might pay for the jdm front end, seeing that it costs less used than a new usdm front. But if you were injured in an accident due to a front end collision, they might be able to get away with not covering your injuries if they find out the front end is not street legal. They might make the argument that the usdm reinforcement would have lessened the bodily injury, therefore making some of your injuries due to your own fault.

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by jdmspoonitr &raquo;</TD></TR><TR><TD CLASS="quote">But if you were injured in an accident due to a front end collision, they might be able to get away with not covering your injuries if they find out the front end is not street legal. They might make the argument that the usdm reinforcement would have lessened the bodily injury, therefore making some of your injuries due to your own fault.</TD></TR></TABLE>
Yes