Getting proper insurance coverage? - Zilvia.net Forums | Nissan 240SX (Silvia) and Z (Fairlady) Car Forum

Brentbohn · 03-10-2011, 06:35 AM

So my agent asked me to get an appraisal of my 240 so I could document the modifications... anyone done this? I know how theft prone these things are, and dont want to loose a dime. kbb puts a 98 se around 5500 which is really low compared to what they sell for on average. so If I paid about 6k, and it has coil overs(1000), carbon hood(400), jdm k's bumpers and aero(700), jdm wing(300), hid(65), hotshot header and hks exhaust(~800)... potentially rims... am I being out of control asking for an appraisal in the 8.5-9k realm? keep in mind I know it wont sell for this much! not a fan of drift tax

Also for those who have lost their rides, how did your insurance agency handle the claim in regards to the aftermarket value?

please dont put stupid comments on how not to get shit stolen, we all know it happens.

chiboy002 · 03-10-2011, 07:00 AM

get all the receipts from your purchases, and look for a car with similar modifications/mileage/year or if you still have a bill of sale from when you bought the car

proof of purchase is key here

Om1kron · 03-10-2011, 08:00 AM

try getting a declared value policy for your car. My car is insured for 16k declared value, I pay a little bit more monthly in premiums and they have everything on my car documented so there is no bullshit with appraisers. Something happens to the car, I get a check.

bam.

sidewaysil80 · 03-10-2011, 08:14 AM

Quote:

Originally Posted by Om1kron

try getting a declared value policy for your car. My car is insured for 16k declared value, I pay a little bit more monthly in premiums and they have everything on my car documented so there is no bullshit with appraisers. Something happens to the car, I get a check.

bam.

i was looking into this as well...but if you don't mind me asking...how much "extra" is that running you.

deadghost · 03-10-2011, 10:40 AM

Just curious Wayne? What insurance company are you with, and what plan?

whiterps13 · 03-10-2011, 10:52 AM

It varies so greatly from company to company that it is hard to apply a "general rule".

Some companies want an appraisal. Some want reciepts. Some will insured for an agreed upon value that doesnt necesarily need to be documented.

I am an independent insurance agent in Illinois and represent over 20 of the top carriers in the industry. Anybody in Illinois/Wisconsin can message me with specific questions or to seek advice. Im always happy to help, but it varies so greatly that there is no "one" correct answer here.

Brentbohn · 03-10-2011, 06:37 PM

I am in minnesota can you hook me up with a policy?

Quote:

Originally Posted by whiterps13

It varies so greatly from company to company that it is hard to apply a "general rule".

Some companies want an appraisal. Some want reciepts. Some will insured for an agreed upon value that doesnt necesarily need to be documented.

I am an independent insurance agent in Illinois and represent over 20 of the top carriers in the industry. Anybody in Illinois/Wisconsin can message me with specific questions or to seek advice. Im always happy to help, but it varies so greatly that there is no "one" correct answer here.

Om1kron · 03-10-2011, 07:12 PM

I go through hillstar insurance based in texas through an agent I was referred to. It is not a plan or anything per say, some "AGENTS" will cater to your needs and some wont.

I tried originally going through a friend who works for farmers, they wanted like 400 a month LOL ridiculous. I'm paying just under 200 monthly for my policy, but I also have 2 tickets on my record which should be dropping off.

Need to find out what happened to my agent however as that may cause some issue when renewing my policy with the current company.

deadghost · 03-20-2011, 11:13 PM

Quote:

Originally Posted by Om1kron

I go through hillstar insurance based in texas through an agent I was referred to. It is not a plan or anything per say, some "AGENTS" will cater to your needs and some wont.

I tried originally going through a friend who works for farmers, they wanted like 400 a month LOL ridiculous. I'm paying just under 200 monthly for my policy, but I also have 2 tickets on my record which should be dropping off.

Need to find out what happened to my agent however as that may cause some issue when renewing my policy with the current company.

Appreciate the info.

03-10-2011, 06:35 AM	#1
Brentbohn Zilvia Junkie Join Date: Feb 2007 Location: minnesota Age: 45 Posts: 357 Trader Rating: (4) Feedback Score: 4 reviews	Getting proper insurance coverage? So my agent asked me to get an appraisal of my 240 so I could document the modifications... anyone done this? I know how theft prone these things are, and dont want to loose a dime. kbb puts a 98 se around 5500 which is really low compared to what they sell for on average. so If I paid about 6k, and it has coil overs(1000), carbon hood(400), jdm k's bumpers and aero(700), jdm wing(300), hid(65), hotshot header and hks exhaust(~800)... potentially rims... am I being out of control asking for an appraisal in the 8.5-9k realm? keep in mind I know it wont sell for this much! not a fan of drift tax Also for those who have lost their rides, how did your insurance agency handle the claim in regards to the aftermarket value? please dont put stupid comments on how not to get shit stolen, we all know it happens. __________________ Wanted: Good well mannered athletic woman with her own classic or sports car.... send photo of car

03-10-2011, 07:00 AM	#2
chiboy002 Post Whore! Join Date: Mar 2010 Location: ◙ Posts: 4,435 Trader Rating: (21) Feedback Score: 21 reviews	get all the receipts from your purchases, and look for a car with similar modifications/mileage/year or if you still have a bill of sale from when you bought the car proof of purchase is key here __________________ street dancer. GLEAM

03-10-2011, 08:00 AM	#3
Om1kron Post Whore! Join Date: Sep 2004 Location: Granada Hills, CA Age: 44 Posts: 6,992 Trader Rating: (15) Feedback Score: 15 reviews	try getting a declared value policy for your car. My car is insured for 16k declared value, I pay a little bit more monthly in premiums and they have everything on my car documented so there is no bullshit with appraisers. Something happens to the car, I get a check. bam. __________________ Wayne Edwards https://om1kron.blogspot.com

03-10-2011, 10:52 AM	#6
whiterps13 Zilvia Addict Join Date: Aug 2005 Location: Illinois Age: 37 Posts: 831 Trader Rating: (1) Feedback Score: 1 reviews	It varies so greatly from company to company that it is hard to apply a "general rule". Some companies want an appraisal. Some want reciepts. Some will insured for an agreed upon value that doesnt necesarily need to be documented. I am an independent insurance agent in Illinois and represent over 20 of the top carriers in the industry. Anybody in Illinois/Wisconsin can message me with specific questions or to seek advice. Im always happy to help, but it varies so greatly that there is no "one" correct answer here. __________________

03-10-2011, 07:12 PM	#8
Om1kron Post Whore! Join Date: Sep 2004 Location: Granada Hills, CA Age: 44 Posts: 6,992 Trader Rating: (15) Feedback Score: 15 reviews	I go through hillstar insurance based in texas through an agent I was referred to. It is not a plan or anything per say, some "AGENTS" will cater to your needs and some wont. I tried originally going through a friend who works for farmers, they wanted like 400 a month LOL ridiculous. I'm paying just under 200 monthly for my policy, but I also have 2 tickets on my record which should be dropping off. Need to find out what happened to my agent however as that may cause some issue when renewing my policy with the current company. __________________ Wayne Edwards https://om1kron.blogspot.com

03-10-2011, 10:40 AM	#5
deadghost Zilvia FREAK! Join Date: Aug 2007 Location: az Posts: 1,230 Trader Rating: (21) Feedback Score: 21 reviews	Just curious Wayne? What insurance company are you with, and what plan?