Insurance, reporting modifications Options

[elvasoshexai]

a lot of people here do a lot of engine mods, exterior mods and even swaps... so, to all those out there who have engine work or exterior mods or engine swaps, did you tell your insurance company?

if you did tell, did you have to go on a special policy (ie hot rodders insurance for swapped engines, or increased premiums for exterior/engine work?)

or have any of you been in an accident involving insurance, where you didn't tell them about your mods? did they pay for the claim? or were you black listed after?

This post has been edited by elvasoshexai: Aug 30, 2005 - 2:05 PM

[Coomer]

My car was totalled out a couple months ago. I never reported my modifications to my insurance company and the agent who came and looked at my car could obviously tell that the car was modified but said nothing about it and I had no troubles from my insurance company. Within a couple days I got a check from them.

[mark_426]

I didnt tell them I had a turbo/any mods before my accident. I have a 96' GT with normal/loaded features. Thats what they knew, because thats what they asked for

When the guy came and looked at it, he could see the body kit etc, obviously, but didnt even mention the motor. He was more concerned with the body, as thats all that needed repaired.

THis happened in may, and I still havent completely closed the claim. I got a little less than I think I should have, but thats changing slowly.

[creis]

Back when I was still on my old insurence with my parents, when the motor blew up they did not really say anything about it just cut the check and called it good, granted the car was mostly stock at the time (just a few things, lowered and intake allong with sterio stuff.)

back when I got rear ended in my civic (it was much more modded then my celica was/is) they did not seem to care, nor did the insurence company of they guy who hit me, I maid a list of the things that were added and basicly exspected them to cover it all as they did without issue.

I do however have the feeling that my current provider would not be too thirlled about it, they seem to just want my money as they have rongfully upped my 6-month price a few times (I'm fighting there bs)

[elvasoshexai]

o. because someone i know who works @ an insurance company says exterior mods such as body kits or engine work such as turbo or swaps that don't get recorded, can get you in deep **** if you get in an accident, and then they black list you... i guess it just depends on the insurance company and the guy doing the evaluation