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  #1  
Old 11-02-2005
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Insurance for modified vehicals

Alot of people are doing drivetrain changes and modifications, what do you do for insurance?

for example...
Jey and his SLA, and some of you cali guys that have LT... well the list goes on.

with those modifications you had to lose some saftey features that i would think the insurance company would gripe about.

anyways what would or are you doing?
not telling them?
have special insurance?
or u asked and they said you were fine?


to me i dont care if they cover my modifications but if i wreck or someone hits me i dont want to be without a truck and without anything from my insurance company. i just want the value of my truck as if it were stock.
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Old 11-02-2005
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I would be more worried about them not covering any damages you cause to people or property
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Old 11-02-2005
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you can get custom coverage i think...
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Old 11-02-2005
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yea ive really thought about this subject.. i wouldnt want to lose it all, and like Neil said, i also wouldnt want the insurance company to say screw you if i got in an accident
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Old 11-02-2005
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Quote:
Originally Posted by LILBLUE04FX4L2
I would be more worried about them not covering any damages you cause to people or property

So what your saying is people lift their trucks to destroy property and wreck their vehicles?

You know what, your right, there arent trailer queens out there that are insured.
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  #6  
Old 11-02-2005
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Quote:
Originally Posted by FoMoCoStang
You know what, your right, there arent trailer queens out there that are insured.

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  #7  
Old 11-02-2005
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Quote:
Originally Posted by FoMoCoStang
So what your saying is people lift their trucks to destroy property and wreck their vehicles?
No, he's saying that when you applied for insurance, you asked them to insure a stock vehicle. You (probably) didn't mention that you have extensive modifications that may or may not change how the vehicle performs, thus changing the probability that it will be involved in an accident. Insurance is a statistical business. And the statistics are all collected for stock vehicles, which is what the vast majority of folks drive. Not for highly modified ones. It's also unreasonable for insurance cariers to be able to account for every combination and permutation of modifications available.

That said, some common sense should be executed. I mean swapping out the dash lights in your Ranger to a different color should have pretty much zero effect on this, unless you expect to be compensated for the time you invested in the swap should the vehicle be lost. But drivetrain mods effect the vehicle's handling and braking performance. This is when things start to get real.

I do not think it's outside of reason to imagine a situation where an insurance company refuses to cover damages because you were speeding in your highly modified, lifted truck wearing oversized mud tires, lost control on wet pavement, and smashed into another vehicle.

This is my A#1 concern w/ the ABS mod: that my insurance company would use it as grounds for refusing coverage should I be in an accident. The insured a vehicle w/ ABS.. and the mod could be seen as defeating the system!
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Old 11-02-2005
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My insurance company asked me for a receipt for my wheels tires and lift... i think they are going to include it in the settlement.
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Old 11-02-2005
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Well, my car was insured as it is, the guy even dropped my insurance cause i had "aftermarket modifications" the 5 lug conversion = 96 GT bigger brakes and calipers.

Insurance didnt get me for anything when i wrecked, i had different guages, diff wheels/tires, diff brakes, the rear end was different.. The guy who saw my truck, saw all of this, and told me to pull off my intake and aftermarket mass air(he knew his cars) that he didnt want the insurance taking it, and just say it flew out in the wreck.

Most wont care, but to disable the abs when your truck is a pavement pounder makes no sense.

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Old 11-02-2005
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Quote:
Originally Posted by FoMoCoStang

Most wont care, but to disable the abs when your truck is a pavement pounder makes no sense.

i can disable my abs... its not for the street tho and i have no intentions of disabling it on the street.

and what guy dropped your insurance on your car?
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Old 11-02-2005
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Quote:
Originally Posted by zabeard
i can disable my abs... its not for the street tho and i have no intentions of disabling it on the street.

and what guy dropped your insurance on your car?
I dont know the exact term, but for my insurance, he came out, and looked at the condition of my car before insuring it.

He saw the 5 lug, and he knew it was "different" cause his son had a 87 4cyl LX that needed new wheels, old one were rusting.

Anyway, he asked me about it, and i told him, i upgraded to 5 lug, bigger brakes, blah blah, and he told me, he could use that to drop the price. I was just like, whatever.
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Old 11-02-2005
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oh ok dropped the price... i thought you meant dropped as in dropped you as a customer...(no longer insured) lol
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Old 11-02-2005
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When i went in with my dad for insurance the lady told me that they will drop me from insurance if I get any type of ticket. I at the time didn't understand it, but my dad got pissed off and told her that he's going to get me a plan at a competitor. So I'm not covered by my parents insurance, but the company im with now based it on my parents 50+ years of flawless driving. The lady who talked to me was a real *****, and I'm glad my dad didn't put up w/ her threats.

Aaron
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Old 11-02-2005
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Oh, and sadly I've found it easier to pay all my accidents out of pocket. All being one or two minor ones, but it seems as long as they aren't big crashes, I'm better off paying out of pocket. I save insurance for if I ever get in a large accident, since I'm not comprehensive.

Aaron
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Old 11-02-2005
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When I get my lift and new tires I am telling the insurance company so they dont try some ****!
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  #16  
Old 11-02-2005
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They will raise your premiums for that. They might not insure you either?
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  #17  
Old 11-02-2005
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If it's safety upgrades like disc brakes all around yea they will probably lower the insurance a bit since you have a less chance of hitting someone
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Old 11-02-2005
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Quote:
Originally Posted by hougy
If it's safety upgrades like disc brakes all around yea they will probably lower the insurance a bit since you have a less chance of hitting someone
be nice if they let you have money to do that saftey stuff
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  #19  
Old 11-02-2005
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Quote:
Originally Posted by BlackRanger93
be nice if they let you have money to do that saftey stuff
Some companies will give you a small discount if you have a fire extenguisher in your vehicle.

Aaron
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  #20  
Old 11-02-2005
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You can always have them make a note on your policy that you have a few things that are added so that if anything happens, you will get paid for them. Thats what I did for my fiberglass cap and my WAGG Bar and KC's. I believe that there is an endorsement that can be added for customizable equipment. Doesn't cost more than maybe $5 if any.
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  #21  
Old 11-02-2005
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Quote:
Originally Posted by soccerjohn
You can always have them make a note on your policy that you have a few things that are added so that if anything happens, you will get paid for them. Thats what I did for my fiberglass cap and my WAGG Bar and KC's. I believe that there is an endorsement that can be added for customizable equipment. Doesn't cost more than maybe $5 if any.

What about SFA ? lol
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  #22  
Old 11-02-2005
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Does that mean State Farm?
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  #23  
Old 11-02-2005
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Quote:
Originally Posted by zabeard
What about SFA ? lol
solid front axle, when i get my truck done its getting the smallest insurance it can get. specially since its paid off and i have a DD, but i plan on driving it alot so we will see.
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  #24  
Old 11-02-2005
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better to not tell your insurance co abotu sfa cause any frame modifications can technicly total a vehicle
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  #25  
Old 11-02-2005
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Quote:
Originally Posted by redranger4.0
better to not tell your insurance co abotu sfa cause any frame modifications can technicly total a vehicle

ya but if or when i get in a wreck im screwed. right?
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