Insurance for modified vehicals - Page 2 - Ranger-Forums - The Ultimate Ford Ranger Resource


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  #26  
Old 11-02-2005
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Remember when trent wrecked his...

with the bar, fenders, and tires they said they be not covering
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  #27  
Old 11-02-2005
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with my insurance they said anything physically bolted to the truck and i have recipts for they will cover.

like my wheels, tail lights, etc...

the lift im unsure about but id assume not. as for getting into an accident with a lifted truck with another person...i heard they can not give u anything...

i know my friend had an late 90s dodge ram with 8"lift and 38s and before the insurance would cover his accident he had to remove the lift and stuff...crock of **** IMO...
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  #28  
Old 11-03-2005
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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.
That's fine for bolt-ons and whatnot, like KC's and brush guards. But I'm pretty sure significant drive-train mods are a whole different story!
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  #29  
Old 11-03-2005
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I look at it this way, if a vehical is totalled, and the insurence company is covering the STOCK vehical, ALL aftermarket parts are yours, and there fore you are free to remove. think about it... a car is worth $1000 the insurence company gives you $1000 for that car, but you have invested $1000 for initial cost of that car PLUS $500 for your extra goodies... so, the insurence gives you $1000 for a car you have invested $1500 in... waht is that extra $500 a gift? no, you take that $500 worth of parts off it.. since after all, that $500 is still yours, the insurence company never paid you for that $500, they paid you for the car, not the goodies.
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  #30  
Old 11-03-2005
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u cant just take a solid axle off and but hte ifs back on lol
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  #31  
Old 11-03-2005
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hell put a 3in pipe on it and glue the rear wheels to the pipe.. and viola! rear axle installed... where does it say it has to be functional?
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  #32  
Old 11-07-2005
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Dave I like your way of thinking. What have yall done about 5.0 swaps, since I am planning one for my 84' Ranger I would like to know what to tell Progressive.
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  #33  
Old 11-07-2005
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yall are makin it sound way harder than it is. talk to the insurance co and ask them about extended coverage or custom equipment coverage. yeah its gonna raise rates, but you are adding more coverage....you have to pay for it...no freebies. FMD had it right, you are insuring the stock vehicle and they dont have to replace or fix anything else. alot of companies do though, to allow slight modifications because they understand noone like to drive the same thing. i think i got alot of it...any other questions?
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  #34  
Old 11-07-2005
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Quote:
Originally Posted by NHBubba
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.
If someone drives like that with described vehicle, they should be punished, hell i drove careful and slow as **** with only the 3" body and 35's.

O and zabeard. It's either SAS (solid axle swap) or SFA (solid front axle).

I'm probably not going to mess with telling insurance. Since the body will be fubar from tellico after 2 trips.
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  #35  
Old 11-07-2005
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Quote:
Originally Posted by 034x4

O and zabeard. It's either SAS (solid axle swap) or SFA (solid front axle).

I'm probably not going to mess with telling insurance. Since the body will be fubar from tellico after 2 trips.

lol what did i do say they could have both? lol my bad
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  #36  
Old 11-08-2005
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Yeah Jey, like you are never going to speed in that thing.. ever? Riiiight.

I think I broke three speed limits on my 1.5 mile bicycle ride to the office this morning..

Even still, **** happens. When it happens, your insurance co might not be too thrilled about your mods. I'd report the vehicle as highly modified and back off to liability only. Put it on a multivehicle policy w/ a POS whatever.. claim that is your daily driver and this is just a rec-vehicle. Close enough to compliance, yet still won't break you.
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  #37  
Old 11-08-2005
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Quote:
Originally Posted by zabeard
when i get in a wreck im screwed. right?
Yes. If they claim that the mod contributed to the damages, which you know they're going to claim, then Insurance Co. can reduce or refuse payment.
You'd have to sue InsureCo for breach of contract. They're going to show HizHonor the clause that defines disqualifying modifications.

Last edited by AeroDoc; 11-08-2005 at 08:52 PM.
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  #38  
Old 11-10-2005
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Well, I just got off the phone with my insurance agent.

I told him that I might very possibly be making extesive suspension modifications to the front end of the vehicle. As in the stock suspension will no longer be there. He told me that it would still be covered and my rates would stay the same. He also said that since im doing this for offroading and that theres chances of a rollover I migh consider changing my insurance since the rollover wont be convered off road (obviously). He said he even wanted to see this "beast" when I was done.

Hes a good freind though and he rents space from my dads building, so it may be dfferent for everyone else, I dont know...

I urge everyone to call up their insurance agents and see what they say, and we can compare...

discuss
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  #39  
Old 11-10-2005
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when my buddy built his bobbed scrambler from the ground up. All he did was take pics of the build and kept all receipts then when he was done all he did was went down to insurance co. and had it insured for what he had total invested in it. I know his jeep cost him about $25000 to $30000 to build (did all the work himself) and full coverage on his jeep is not that much to insure, less then a grand a year. I also believe he insured it as a vehicle that sees less than 5000 miles a year.
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  #40  
Old 11-11-2005
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Jey, let me know when you get ready to go to Tellico, it isn't too far away from me.
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  #41  
Old 10-21-2007
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Unfortunately, not many insurance agencies know modded and non modified vehicles. My insurance agent looked at my truck and pretty much took it for what it was on paper. "It's a 98 Ford Ranger XLT."
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  #42  
Old 10-21-2007
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holy two year old post batman
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  #43  
Old 10-21-2007
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haha i was thinking the same thing, good info though!
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  #44  
Old 10-21-2007
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Quote:
Originally Posted by jtslmn720
holy two year old post batman
I was searching for "How To: Modify gauge lights" and this one sparked my interest. It's how I roll.
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  #45  
Old 10-21-2007
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Since this old thread has been brought back from the dead i have a question. I got a chip in my windshield,and my insurance window deductible is $500. They said if i get it replace myself i can bring my truck up they will go out and see it to prove its replaced and for a extra $40 every 6 months i can get my deductible down to $50. As far as they know my truck is bone stock. If they see that my truck is double lifted could they raise my rates or drop me??
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  #46  
Old 10-21-2007
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im sure they have the right to do whatever they want. i suggest calling them first about modifications. For state farm they said there was a extra 5-$10 charge for covering aftermarket parts. i forget what they called it
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  #47  
Old 10-21-2007
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Damn this was back when Zabeards truck was... not so modded.

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  #48  
Old 10-21-2007
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I never asked my insurance company.

And dont really care as far as they know its stock.
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  #49  
Old 10-21-2007
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I know in PA we can get a modified title and according to my insurance company my rates won't go up a whole lot
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  #50  
Old 10-21-2007
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Progressive will cover modifications.

For example on my quad:

I unsured it for stock: I get KBB for it if its wrecked or stolen.
Then I also added 3grand for modifications: I get KBB + 3k for extra parts.

Only problem with this comes extra fees. But it was on like $10 a year for my quad.


They do the same thing for vehicles
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