Do you tell insurance about your mods? - Page 2

Skyline4life · 03-09-2007, 10:15 PM

idk, I'm thinking about relling my agent about my mods...Hell she'll know about them right away, she lives across the street from me..So i think she'll be nice and not charge me more.

***Sirbelch*** · 03-09-2007, 10:50 PM

I had a 94 GSR with CAI, DCH, RT cat, Apex N1, Koni reds, eibach pros, audio equipment, and so 17" wheels. It drowned in a flood and i had never told them about the parts. When it came time to write the check for it being totaled, i said i had 3 grand in parts and audio equipment. They asked for receipts, i said i don't have any, they said thats fine. They gave me 2500 for the parts and 3000 for the car. AAA rocks.

reaper702 · 03-09-2007, 10:59 PM

Quote:

Originally Posted by Sirbelch

I had a 94 GSR with CAI, DCH, RT cat, Apex N1, Koni reds, eibach pros, audio equipment, and so 17" wheels. It drowned in a flood and i had never told them about the parts. When it came time to write the check for it being totaled, i said i had 3 grand in parts and audio equipment. They asked for receipts, i said i don't have any, they said thats fine. They gave me 2500 for the parts and 3000 for the car. AAA rocks.

sweet! i got AAA but think i will call to just make sure

vtzboi · 03-09-2007, 11:12 PM

Quote:

Originally Posted by legendman

I'm open to any advice about how to handle this situation.

Nate

i pay 98$ a month on my 07 Si im only 18 year old..... state farm is the way to go man

HondaFREAK · 03-10-2007, 12:44 AM

State Farm is pretty good. Not sure if they'll charge you for Mods though. Still have to talk to them about my up-coming projects. (ie: 1" drop and fogs)

ABM JDM · 03-10-2007, 08:46 PM

Ok, I just called my insurance company Geico (pretending to be a nonpolicy holder getting info - I'd recommend that everyone do this w/ theirs, and report here!), and they told me that there is a "surcharge" for having mods, PLUS they will only cover a SMALL amount (he gave me the example of covering only $300 worth for 4 rims!). I asked about intakes and exhausts, and he said that they would not cover them beyond like $150 or something - yeah right! Well, all I can say is that this sucks for me. Geico in general has been great for me, good premiums and many discounts. But this sucks.

**truflip** · 03-10-2007, 08:57 PM

you americans.. cheap cars, cheap insurance.. what else...

MordeKyle · 03-10-2007, 10:11 PM

i asked my insurence(state farm) while i was in the office paying it one day and they said, "honda's hold their value very well so putting after market parts on it is just fine. if you had an older car worth 900 bucks and put 2000 worth of aftermarket stuff in it we wouldnt cover it."

I Vtec, do you? · 03-12-2007, 06:19 PM

Quote:

I'm open to any advice about how to handle this situation.

At 22 years of age.. get your own policy would be my best bet of advice.

***GalaxyGreySi*** · 03-12-2007, 06:47 PM

I am 23 and I have my own policy. It's only $120 per month for full coverage, $500 deductible.

Cr8tive_leo · 03-12-2007, 06:48 PM

Quote:

Originally Posted by truflip

you americans.. cheap cars, cheap insurance.. what else...

What makes you say cheap insurance? My insurance is a lot lower than a lot of the prices I have seen on this site and others for Honda Civic's , and I live in Ontario.

~Cr8tive

berlinas2k2 · 07-09-2007, 01:27 AM

Contact Smith & Wesson for the "best" insurance on aftermarket parts :P

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03-09-2007, 10:15 PM	#21 (permalink)
Skyline4life Senior Member Join Date: Dec 2005 Location: Mundelein, IL Age: 19 Posts: 3,025 Evan iTrader: 0 / 0%	idk, I'm thinking about relling my agent about my mods...Hell she'll know about them right away, she lives across the street from me..So i think she'll be nice and not charge me more.

03-09-2007, 10:50 PM	#22 (permalink)
*Sirbelch* Louder than 4 F404-GE-400 Join Date: Jan 2007 Location: Vacaville CA Age: 27 Posts: 5,592 Paul iTrader: 1 / 100%	I had a 94 GSR with CAI, DCH, RT cat, Apex N1, Koni reds, eibach pros, audio equipment, and so 17" wheels. It drowned in a flood and i had never told them about the parts. When it came time to write the check for it being totaled, i said i had 3 grand in parts and audio equipment. They asked for receipts, i said i don't have any, they said thats fine. They gave me 2500 for the parts and 3000 for the car. AAA rocks.

03-10-2007, 12:44 AM	#25 (permalink)
HondaFREAK Senior Member Join Date: Jan 2007 Location: Cary, NC Age: 20 Posts: 847 Mike iTrader: 0 / 0%	State Farm is pretty good. Not sure if they'll charge you for Mods though. Still have to talk to them about my up-coming projects. (ie: 1" drop and fogs)

03-10-2007, 08:46 PM	#26 (permalink)
ABM JDM Senior Member Join Date: Feb 2007 Location: Indianapolis, IN Posts: 328 JDABM fan iTrader: 0 / 0%	Ok, I just called my insurance company Geico (pretending to be a nonpolicy holder getting info - I'd recommend that everyone do this w/ theirs, and report here!), and they told me that there is a "surcharge" for having mods, PLUS they will only cover a SMALL amount (he gave me the example of covering only $300 worth for 4 rims!). I asked about intakes and exhausts, and he said that they would not cover them beyond like $150 or something - yeah right! Well, all I can say is that this sucks for me. Geico in general has been great for me, good premiums and many discounts. But this sucks.

03-10-2007, 08:57 PM	#27 (permalink)
truflip Mad Destroyer Join Date: Dec 2006 Location: Ottawa, ON Age: 22 Posts: 8,422 iTrader: 11 / 100%	you americans.. cheap cars, cheap insurance.. what else...

03-10-2007, 10:11 PM	#28 (permalink)
MordeKyle Senior Member Join Date: Aug 2006 Posts: 2,097 iTrader: 1 / 100%	i asked my insurence(state farm) while i was in the office paying it one day and they said, "honda's hold their value very well so putting after market parts on it is just fine. if you had an older car worth 900 bucks and put 2000 worth of aftermarket stuff in it we wouldnt cover it."

03-12-2007, 06:47 PM	#30 (permalink)
*GalaxyGreySi* 280whp, 219tq, GReddy FTW Join Date: May 2006 Location: Albuquerque, NM Age: 24 Posts: 4,125 Phil iTrader: 1 / 100%	I am 23 and I have my own policy. It's only $120 per month for full coverage, $500 deductible.

07-09-2007, 01:27 AM	#32 (permalink)
berlinas2k2 Senior Member Member Join Date: Jan 2007 Location: Vtecc'n in da Mugen' Posts: 4,748 254whp on 75 iTrader: 16 / 100%	Contact Smith & Wesson for the "best" insurance on aftermarket parts :P