just wondering what to do about all the aftermarket parts on the car and what you Fi guys are doing for insurance. i mean if you hit someone, is your intercooler covered or body kits and things like that. i have a full cage in the car and if something happened and my insurance looked at my car i think they would just drop me. so is there anyone to go through that will cover this stuff

 

depends on your insurance agency.. Some will cover/Some will not.. Call them and see if yours does...

 

i didnt think too many will cover a car with like 30k in mods, including a roll cage.

 

then there is your answer. a lot of insurance companies will look and if they find the car has stuff on it that has been listed as "off road" use only, they can determine it not streetable and drop you, leaving you to foot the bill yourself.

 

if you damage 30K in parts / roll cage, then your car i assume would be totaled anyways..

 

Haha, the posts so far sound like the convo from tonight.

 

alot of insurance companys will allow you to do a stated policy. It will allow you to cover all the extras with a higher premium.

 

That's what I did, I simply added 15k in additional coverage. It was only $130 every 6 months. Talk about cheap insurance.

 

Progressive lets you ad i think 15k in cusotm parts for insurance...if you want mroe coverage you can call them and set it up so they cover your car as the price of another more expesive car that has about the equal value than "your car + the 30k mods"

it does get a lil expensive

i jsut did the 15k protection

 

What company?

 

There are two way to handle this

First, most carriers will allow up to 25K on a personal auto policy as add on to stock equipment for both comp and/or collision. Check with your carrier. Allstate will allow25K.

Second option would be as stated above, a stated value amount, but this requires a certified appraisal by an auto appraiser. To achieve this, make sure you keep your receipts when you go and this will be documented and added onto the stock vehicle replacement value.

Allstate Agent

 

Farm Bureau (GA State Farm) I pay $590 every 6 months. It is my 2nd car though.

 

I have state farm, and as long as I have the receipts of my mods on my vehicles they are covered.

 

I have USAA and it is the same thing (except dont really need receipts LOL) They cover anything on my car

 

USN HM, so did you call USAA to set it up or are you automatically covered. I have USAA too. Did your insurance go up when you told them?

 

USAA just covers everything, no price difference. Best insurance company IMO.

 

I would be very careful with state farm. I know a lot of people have had great experience, but i have been rooked by them 2x. I had a bike stolen, and after all the smoke cleared I had to PAY $7500. My wife had an accident that was clearly the other drivers fault, and they refused to pay. They are def not scared to lie in court.

 

I'v had no problems with State Farm. When i was hit headon 2 years ago in my old car, the day after my accident my agent was ready to write me a check for my car and what was in it, but I had to decline it because I was not at fault. My agent has always been great to us, and we have been with state farm for so long that we no have a none droppable policy.

 

I think after Katrina hit down here, we began to get hoed out by a lot of companies.

 

i just want to make sure if i mess up any of my body kit or turbo system that it would be covered if i was to get hit or hit someone.