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

Kreator · 04-12-2002, 04:43 PM

I am in a confusion sorta. I've heard that insurance companies require you to report mods on yer car to them. Seems reasonable to me. Now as i would guess once you report a turbo on your car, they are gonna raise your insurance freakin high. And as i understand on the other hand, if you don't report and get in an accident, the insurance company may refuse to pay....

So now my question is... how far can you go without reporting stuff to the insurance company and still staying on the safe side (meaning get insurance to pay if you get in an accident)? Thanx

Kre

junia · 04-12-2002, 05:05 PM

This is just me but, telling the insurance company about your mods is like a highschool kid telling their parents where they're really going at night....I say they don't need to know.

Kreator · 04-12-2002, 05:27 PM

Well yeah. But then imagine you wreck your car and the fact of a turbo under your hood gets out. I've read that in these cases an insurance company has all the rights to walk out one you and not pay the damage to the person you hit nor the damage done to your car.... That's my concern... not that i happily wonna go and tell the insurance what i have <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/smile.gif" border="0" valign="absmiddle" alt='

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whateverjames · 04-12-2002, 06:33 PM

don't do it. someone on another message board did it and his ins. company is thinking about dropping him now. he only has bolt ons.

*transient* · 04-12-2002, 08:27 PM

That is such crap. What you do to your car is your choice, they shouldn't be able to drop you for anything unless you get into a few accidents.

MyFirst240SX · 04-13-2002, 03:53 PM

i varies with insurance companies ive heard of insurance company's that will pay what u have recepts for.

Kreator · 04-13-2002, 08:17 PM

</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote (whateverjames @ April 12 2002,7:33)</td></tr><tr><td id="QUOTE">don't do it. someone on another message board did it and his ins. company is thinking about dropping him now. he only has bolt ons.</td></tr></table><span id='postcolor'>
Shit. that sux. That means i'm not gonna report a single mod... and drive very very carefully.... like that's possible... damnit

Kr3

Tuck&Poke · 04-14-2002, 04:09 PM

i not sure if you have to tell them and they dont raise your insurance rate because of parts.  well at least state farm doesnt.  tell them and keep your reciepts and if your coverage has enough money they will give you money for the mods that got f*ed in the accident.

gfisch · 04-14-2002, 06:46 PM

With my insurance company, it wasnt so much so that they could raise the rates but to insure the parts if they are destroyed in an accident or stollen. I reported my stereo system on the form so that it could be replaced under comprehensive(i think thats the one) insurance if it were stolen.

Greg

04-12-2002, 04:43 PM	#1
Kreator Nissanaholic! Join Date: Mar 2002 Location: MD Age: 40 Posts: 1,975 Trader Rating: (0) Feedback Score: 0 reviews	I am in a confusion sorta. I've heard that insurance companies require you to report mods on yer car to them. Seems reasonable to me. Now as i would guess once you report a turbo on your car, they are gonna raise your insurance freakin high. And as i understand on the other hand, if you don't report and get in an accident, the insurance company may refuse to pay.... So now my question is... how far can you go without reporting stuff to the insurance company and still staying on the safe side (meaning get insurance to pay if you get in an accident)? Thanx Kre __________________ кто болеет за Зенит, у того всегда стоит!

04-12-2002, 05:05 PM	#2
junia Zilvia Junkie Join Date: Jan 2002 Posts: 343 Trader Rating: (0) Feedback Score: 0 reviews	This is just me but, telling the insurance company about your mods is like a highschool kid telling their parents where they're really going at night....I say they don't need to know. __________________ 1990 Nissan 240sx hatchback, 1991 Nissan Silvia K's PS13, 1978 Toyota Corolla KE-30

04-12-2002, 05:27 PM	#3
Kreator Nissanaholic! Join Date: Mar 2002 Location: MD Age: 40 Posts: 1,975 Trader Rating: (0) Feedback Score: 0 reviews	Well yeah. But then imagine you wreck your car and the fact of a turbo under your hood gets out. I've read that in these cases an insurance company has all the rights to walk out one you and not pay the damage to the person you hit nor the damage done to your car.... That's my concern... not that i happily wonna go and tell the insurance what i have <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/smile.gif" border="0" valign="absmiddle" alt=''> __________________ кто болеет за Зенит, у того всегда стоит!

04-12-2002, 06:33 PM	#4
whateverjames Nissanaholic! Join Date: Jul 2001 Location: St. Louis Age: 44 Posts: 2,263 Trader Rating: (0) Feedback Score: 0 reviews	don't do it. someone on another message board did it and his ins. company is thinking about dropping him now. he only has bolt ons. __________________ 02 Blazer X - 90 240SX w/SR oh noes

04-12-2002, 08:27 PM	#5
transient Premium Member Join Date: Jun 2001 Location: Los Angeles, California Age: 40 Posts: 2,947 Trader Rating: (0) Feedback Score: 0 reviews	That is such crap. What you do to your car is your choice, they shouldn't be able to drop you for anything unless you get into a few accidents. __________________ Learn everything you can, while you still have the chance.

04-13-2002, 03:53 PM	#6
MyFirst240SX Zilvia Junkie Join Date: Dec 2001 Posts: 599 Trader Rating: (0) Feedback Score: 0 reviews	i varies with insurance companies ive heard of insurance company's that will pay what u have recepts for. __________________ It is better to drive a Slow car fast than to drive a fast Car slow! '89 FastBack 5spd: Intake/Exhaust,Strut Bars and JL15. '90 Parts car/Some day drag car.

04-13-2002, 08:17 PM	#7
Kreator Nissanaholic! Join Date: Mar 2002 Location: MD Age: 40 Posts: 1,975 Trader Rating: (0) Feedback Score: 0 reviews	</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote (whateverjames @ April 12 2002,7:33)</td></tr><tr><td id="QUOTE">don't do it. someone on another message board did it and his ins. company is thinking about dropping him now. he only has bolt ons.</td></tr></table><span id='postcolor'> Shit. that sux. That means i'm not gonna report a single mod... and drive very very carefully.... like that's possible... damnit Kr3 __________________ кто болеет за Зенит, у того всегда стоит!

04-14-2002, 04:09 PM	#8
Tuck&Poke Zilvia FREAK! Join Date: Aug 2001 Location: MIA Age: 37 Posts: 1,046 Trader Rating: (0) Feedback Score: 0 reviews	i not sure if you have to tell them and they dont raise your insurance rate because of parts.  well at least state farm doesnt.  tell them and keep your reciepts and if your coverage has enough money they will give you money for the mods that got f*ed in the accident.

04-14-2002, 06:46 PM	#9
gfisch Zilvia Junkie Join Date: May 2001 Location: Warren,NJ / Baltimore,MD Age: 43 Posts: 576 Trader Rating: (0) Feedback Score: 0 reviews	With my insurance company, it wasnt so much so that they could raise the rates but to insure the parts if they are destroyed in an accident or stollen. I reported my stereo system on the form so that it could be replaced under comprehensive(i think thats the one) insurance if it were stolen. Greg __________________ Greg Fischer [email protected] '97 240SX SE '98 Ford Explorer XLT