sr20 insurance - Zilvia.net Forums | Nissan 240SX (Silvia) and Z (Fairlady) Car Forum

240sxconversion · 02-20-2004, 09:47 PM

Alright i am a high school student and in school we were going over auto insurance. My teacher knows i have a sr20det in my 240, and he asked if i tould my insurance comany. I tould him no, he says that i must report i changed the engine for the SR, has anyone else done this. He says that if i get in a accident, the engine will not be covered accually nothing will be covered, they wiill say the claim is void?? anyone shed some light on this

Muzzy · 02-20-2004, 10:55 PM

well its not legal to have so its not smart to tell them ...so it wont be covered.....i believe

Maeda · 02-20-2004, 11:01 PM

I guess your screwed either way? Or hope that the engine is unrecognizable in the event of an accident.

Muzzy · 02-20-2004, 11:21 PM

he's in Penn. they dont know jack shit

dekand · 02-21-2004, 02:48 AM

yeah uh its not cali... i wouldn't worry

*fliprayzin240sx* · 02-21-2004, 09:39 AM

lets jes say that theyd pay you back for a KA

240sxconversion · 02-21-2004, 09:59 AM

hey dont bust on me because i am from PA. So what if there isnt any shops around my area that know anything, all they know is SB chevy BB chevy, but hey PA is the home of the Yenko Camaro, Chevelle and Nova. Anyway, so u think it wll be cool not to tell them about the SR. I called the insurance comany and asked if they had a SR20det, and the lady was like ummmm then said hold plz, and then the bitch hung up on me.

thelinja · 02-21-2004, 10:20 AM

Uhhh, don't let the insurance company know you have an illegal engine. That is a BAD idea. He wasn't cracking on you because you're from PA, he was just saying that PA authorities aren't nearly as anal about illegal engines. For instance, in PA, a cop isn't gonna know the visual differences between a KA and SR, and chances are, they won't even ask you to pop your hood in PA. So don't screw yourself over by telling insurance companies or law enforcement that you have an illegal engine.

Muzzy · 02-21-2004, 10:43 AM

yea...damnit!!!

BSeay · 02-21-2004, 10:54 AM

My friend in here in Va had his SR on his insurance they just considered it a replacement engine here.... they covered it all on his car.....he just called up and was like i changed the motor and they where like to what? he was like SR20DET and they were like any other peformance parts he listed the few others and that was it...

I think he said it was state farm...

Siizzzoooo · 02-21-2004, 11:22 AM

you could just say its the SR20DE, since it is an engine that exists in the states

just leave the "T" out of it

Var · 02-21-2004, 11:35 AM

the blue book value of your car probably isnt that high. so what's the point of reporting an engine change. if something happens to the extent of engine damage, your car will probably be totalled anyways.

thelinja · 02-21-2004, 12:50 PM

Quote:

Originally Posted by Siizzzoooo

you could just say its the SR20DE, since it is an engine that exists in the states

just leave the "T" out of it

Actually, RWD SR20s would be illegal over here too.

Muzzy · 02-21-2004, 09:45 PM

why would they be illegal???

thelinja · 02-21-2004, 11:04 PM

Because no USDM cars came with RWD SR20DE.

nismofeind · 02-22-2004, 10:56 PM

you could just say you put a new engine in and you want to insure it and its worth X amount of dollars. Say its a crate motor. or a turbo charger on it. cost about the same. you will be paying them more either way.

I would stay away from saying its illegal.

Redtop_240 · 02-23-2004, 01:11 AM

I live In Va beach, VA, and my SR20 is covered......I pay a little extra for it but in my opinion its worth it.......Your insurance has nothing to do with the law......You dont have to tell your insurance company shit.....But if you wanted to you wouldnt have a problem as well......I dunno do what you think you should but make sure you cover your ass......Full coverage insures anything that is bolted to the car.......(this would include the engine.) So good luck.......

-Jeff

oojpeeoo · 02-23-2004, 12:29 PM

the old skoo sentras came with a sr20de... just say u pulled it from there haha ^^

Junked240 · 02-23-2004, 06:51 PM

Insurance rules change from state to state. The best thing to do is call other companies in your area and ask for quotes. Tell them your interested in doing a motor swap on your car and would like to know how you could insure it or what your options are. You could also just insure the car for X amount of dollars and the premium accordingly (not sure of the technical term for this). Had the same problem in NC and was told that all I could really do if something happens to my car is tell the adjuster and keep receipts and hope he feels like paying out for my mods....Good luck!

02-20-2004, 09:47 PM	#1
240sxconversion Leaky Injector Join Date: Dec 2003 Location: Pennsylvania Age: 39 Posts: 141 Trader Rating: (0) Feedback Score: 0 reviews	sr20 insurance Alright i am a high school student and in school we were going over auto insurance. My teacher knows i have a sr20det in my 240, and he asked if i tould my insurance comany. I tould him no, he says that i must report i changed the engine for the SR, has anyone else done this. He says that if i get in a accident, the engine will not be covered accually nothing will be covered, they wiill say the claim is void?? anyone shed some light on this

02-20-2004, 10:55 PM	#2
Muzzy Zilvia FREAK! Join Date: Jan 2003 Location: TX Posts: 1,555 Trader Rating: (0) Feedback Score: 0 reviews	well its not legal to have so its not smart to tell them ...so it wont be covered.....i believe __________________ lemme have a dollar

02-20-2004, 11:01 PM	#3
Maeda Nissanaholic! Join Date: Dec 2002 Location: Camp Snake Bite, CA RIP Posts: 2,356 Trader Rating: (0) Rides Gallery: Maeda Feedback Score: 0 reviews	I guess your screwed either way? Or hope that the engine is unrecognizable in the event of an accident. __________________

02-20-2004, 11:21 PM	#4
Muzzy Zilvia FREAK! Join Date: Jan 2003 Location: TX Posts: 1,555 Trader Rating: (0) Feedback Score: 0 reviews	he's in Penn. they dont know jack shit __________________ lemme have a dollar

02-21-2004, 02:48 AM	#5
dekand Leaky Injector Join Date: Mar 2003 Location: Flower Mound, TX Age: 39 Posts: 52 Trader Rating: (0) Feedback Score: 0 reviews	yeah uh its not cali... i wouldn't worry __________________ No Signatures over 400x200!!

02-21-2004, 09:39 AM	#6
fliprayzin240sx Man w/ CTSV & a Car Seat Join Date: Aug 2002 Location: Tampa Posts: 17,998 Trader Rating: (19) Rides Gallery: fliprayzin240sx Feedback Score: 19 reviews	lets jes say that theyd pay you back for a KA __________________ If you think Zilvia has too many assholes... CLICK HERE!!!

02-21-2004, 09:59 AM	#7
240sxconversion Leaky Injector Join Date: Dec 2003 Location: Pennsylvania Age: 39 Posts: 141 Trader Rating: (0) Feedback Score: 0 reviews	hey dont bust on me because i am from PA. So what if there isnt any shops around my area that know anything, all they know is SB chevy BB chevy, but hey PA is the home of the Yenko Camaro, Chevelle and Nova. Anyway, so u think it wll be cool not to tell them about the SR. I called the insurance comany and asked if they had a SR20det, and the lady was like ummmm then said hold plz, and then the bitch hung up on me.

02-21-2004, 10:20 AM	#8
thelinja Zilvia FREAK! Join Date: Jul 2002 Location: New Jersey Posts: 1,466 Trader Rating: (3) Rides Gallery: thelinja Feedback Score: 3 reviews	Uhhh, don't let the insurance company know you have an illegal engine. That is a BAD idea. He wasn't cracking on you because you're from PA, he was just saying that PA authorities aren't nearly as anal about illegal engines. For instance, in PA, a cop isn't gonna know the visual differences between a KA and SR, and chances are, they won't even ask you to pop your hood in PA. So don't screw yourself over by telling insurance companies or law enforcement that you have an illegal engine.

02-21-2004, 10:43 AM	#9
Muzzy Zilvia FREAK! Join Date: Jan 2003 Location: TX Posts: 1,555 Trader Rating: (0) Feedback Score: 0 reviews	yea...damnit!!! __________________ lemme have a dollar

02-21-2004, 10:54 AM	#10
BSeay Users Awaiting Email Confirmation Join Date: Mar 2003 Location: Richmond, VA Age: 42 Posts: 634 Trader Rating: (0) Feedback Score: 0 reviews	My friend in here in Va had his SR on his insurance they just considered it a replacement engine here.... they covered it all on his car.....he just called up and was like i changed the motor and they where like to what? he was like SR20DET and they were like any other peformance parts he listed the few others and that was it... I think he said it was state farm... __________________ 1995 240SX SE - Sold

02-21-2004, 11:22 AM	#11
Siizzzoooo Zilvia FREAK! Join Date: Feb 2002 Location: Murfreesboro,TN Posts: 1,355 Trader Rating: (0) Feedback Score: 0 reviews	you could just say its the SR20DE, since it is an engine that exists in the states just leave the "T" out of it __________________ 2004 Honda S2000 NFR \| 2007 Acura TL CBP \| Project *Coming Soon*

02-21-2004, 11:35 AM	#12
Var Post Whore! Join Date: Sep 2003 Location: Norcal Age: 43 Posts: 5,032 Trader Rating: (0) Rides Gallery: Var Feedback Score: 0 reviews	the blue book value of your car probably isnt that high. so what's the point of reporting an engine change. if something happens to the extent of engine damage, your car will probably be totalled anyways. __________________ Hi

02-21-2004, 09:45 PM	#14
Muzzy Zilvia FREAK! Join Date: Jan 2003 Location: TX Posts: 1,555 Trader Rating: (0) Feedback Score: 0 reviews	why would they be illegal??? __________________ lemme have a dollar

02-21-2004, 11:04 PM	#15
thelinja Zilvia FREAK! Join Date: Jul 2002 Location: New Jersey Posts: 1,466 Trader Rating: (3) Rides Gallery: thelinja Feedback Score: 3 reviews	Because no USDM cars came with RWD SR20DE.

02-22-2004, 10:56 PM	#16
nismofeind Leaky Injector Join Date: Dec 2002 Location: Chicago Posts: 142 Trader Rating: (0) Feedback Score: 0 reviews	you could just say you put a new engine in and you want to insure it and its worth X amount of dollars. Say its a crate motor. or a turbo charger on it. cost about the same. you will be paying them more either way. I would stay away from saying its illegal.

02-23-2004, 01:11 AM	#17
Redtop_240 Zilvia Member Join Date: Dec 2003 Location: Virginia beach, VA. Age: 45 Posts: 207 Trader Rating: (0) Feedback Score: 0 reviews	I live In Va beach, VA, and my SR20 is covered......I pay a little extra for it but in my opinion its worth it.......Your insurance has nothing to do with the law......You dont have to tell your insurance company shit.....But if you wanted to you wouldnt have a problem as well......I dunno do what you think you should but make sure you cover your ass......Full coverage insures anything that is bolted to the car.......(this would include the engine.) So good luck....... -Jeff __________________ JDM JUNKYARD.NET

02-23-2004, 12:29 PM	#18
oojpeeoo Zilvia Junkie Join Date: Feb 2004 Location: san jose Posts: 538 Trader Rating: (0) Feedback Score: 0 reviews	the old skoo sentras came with a sr20de... just say u pulled it from there haha ^^

02-23-2004, 06:51 PM	#19
Junked240 Leaky Injector Join Date: Jun 2003 Location: Washington Nc, 27889 Age: 45 Posts: 67 Trader Rating: (0) Feedback Score: 0 reviews	Insurance rules change from state to state. The best thing to do is call other companies in your area and ask for quotes. Tell them your interested in doing a motor swap on your car and would like to know how you could insure it or what your options are. You could also just insure the car for X amount of dollars and the premium accordingly (not sure of the technical term for this). Had the same problem in NC and was told that all I could really do if something happens to my car is tell the adjuster and keep receipts and hope he feels like paying out for my mods....Good luck! __________________ Silvia for sale........SILVIA