ok so im just wondering, do you guys tell your insurance companies about all your mods? im only 16 and was wondering becaue supposedly insurance companies wont insure you if your car is modified, now thats hard to beleive because there are a lot of modified cars but how do you guys do it?
TC

 

I have never told them about any mod that I have done to any car that I have owned. But, be aware that if you wreck the car and they total it, they own it, mods and all.

 

if you dont then they can void the warrantee can they not? i may jsut get a sentra to start out with and put a body kit on it, rims same old stuff, dont know whether to tell them or not
Tyler

 

Here in Van, they'll insure you up to $5000 for aftermarket parts, $1000 for stereos, if you want to raise the limit, then you'll have to let them know about your mods, then you have to pay a certain percentage of the total value of your mods...
at least this is what I was told before

 

my ex got screwed when he totalled his 95 civic ex. he had dumped prolly 7k into a swapped b16a2 (si engine) that had an insane amount of work done. when the car got totalled, they refused to pay for any of it and told him that b/c it wasn't original parts, they were gonna pay him less b/c it affected market value.

now, i do know anything they don't pay for, they do not own. sooo if, god forbid, you get in a wreck and total the car and your ins won't pay for the mods, you have the right to take and keep the mods off the car. you have to replace it with orig. equip. so time and effort becomes an issue. but yes, if they don't pay for the mods in the event of a total loss, they do not own them. you can keep them.