Accedents with MODS

[special--k]

Just wondering if anyone out there has trashed their car with Mods on it.

Im thinking about getting the turbolife FMIC... and i was really stoked about it untill this guy i know told me that if you install it and then have an accedent the instuance company can say that it was an ilegal mod. and as a result i would get nothing. I dont really care that i would not get the value of the mods... i care that its possible that i would get NOTHING!


anyone have any insurance stories?

 

[ForceFed]

The may not coverthe extra mods..Most companies wont...But it should not hurt anything on the car that Is OEM.

You Insurance typically covers your car....Not the Extras you add on unless you pay extra to cover them.

 

[dstmsp03]

that kit is listed as an off-road only since you dont utilize the bumper beam, what i would reccomend to cover your-self is to fab up something the would make some re-inforcement and you will be fine

 

[Nomad]

call your insurance company and ask what affect it may have in an accident.

 

[Outlawstar98]

well my insurance company will give my car a price with the mods on it, Maily i drive to them, and they look at it and give me a price. But i didnt do it with this car yet because not much is done with it, the price goes up though but its worth it if u have all those parts on it, so call up your company and ask them if they do anything like that.

 

[special--k]

ill be on the phone tomorrow with the insurance... depending on what they say you will have my dep

 

[Ricktalife]

well i have progressive and when i wrecked my 1998 nissan 200sx it had headers, intake, exhaust, and was lowered. they gave me the amount that the car was worth and ignored the mods. but hey, atleast they didnt refuse to pay. all in all it led to me getting my mp3 so im happy the way it turned out

 

[43975]

My insurance covers everything on that car and anything extra that I have receipts for. When the other half wrecked the Galant they paid for the intake stereo, exhaust, tint and everything else I had receipts for. It boosted the price up like 3-4K enough to get her into a newer GTZ versus the ES with V6 option she had originally. It was good deal. I was suprised when the adjusted asked for the receipts of the after market stuff.

 

[bgibb68]

i know progressive told me that if it's bolted down and have proof of purchase it'll be covered, like my sub box which is locked into the back

 

[Ricktalife]

i never knew that

 

[Jaysanooch]

ill be on the phone tomorrow with the insurance... depending on what they say you will have my dep

I think you already know the answer...come on man, wtf do you think customer service will say when you tell them....I'm thinking of removing the original crash bar?

Wait you didn't give the deposit yet?

 

[StealthWyvern]

I think you already know the answer...come on man, wtf do you think customer service will say when you tell them....I'm thinking of removing the original crash bar?

Wait you didn't give the deposit yet?

I wounder how it would turn out if I wrecked my s*** and I purchased it like that from the dealer...

 

[Ricktalife]

I wounder how it would turn out if I wrecked my s*** and I purchased it like that from the dealer...

ahahah

 

[StealthWyvern]

ahahah

Its true I did purchase it from the dealer with a perrin fmic already installed by the previous owner.

 

[bgibb68]

well there ya go...how long ago did you purchase it??got any pics of it when you did or any details on the car from purchase date

 

[jamesk]

what happens if something happens to the car, ( knock on wood), and the car is concidered totaled. then the insurance company gives you the money worth for the car.

before the car does to a junkyard or something, can you take the parts off before they tow it away or they take the whole car?

 

[bgibb68]

what happens if something happens to the car, ( knock on wood), and the car is concidered totaled. then the insurance company gives you the money worth for the car.

before the car does to a junkyard or something, can you take the parts off before they tow it away or they take the whole car?

sometime you can get your personal effects but you can also buy back the car for cheap and then part out, keep parts, etc...

 

[jamesk]

is buying back the car cheaper than what they would of gave you for it, or is it the same price?

 

[StealthWyvern]

Sorry about the thread jacking.

well there ya go...how long ago did you purchase it??got any pics of it when you did or any details on the car from purchase date

Purchased it on 7/11/08 and signed a few papers around 1pm. I still have all the documents and paper work from when I purchsed it. I have a few digital pics but non have a date on them.

 

[special--k]

I think you already know the answer...come on man, wtf do you think customer service will say when you tell them....I'm thinking of removing the original crash bar?

Wait you didn't give the deposit yet?

not yet... iv been hoping that the CAD will come back a bit... but it doesnt look good. I will give in my Dep before the 30th...

So Jay... you think i should not bother telling the insurance that im getting this... and just hope for the best?