for all you guys who are boosting, do you have your aftermarket parts insured?

 

My statefarm agent says they will cover everything that has receipts.

 

does it only cover theft and damage caused by wrecks?

 

NOPE, Im riding on min coverage.... Im baller like that

 

My car is covered by insurance FULLY (USAA).. Too bad I cant say the same thing about the Nissan POS warranty..

 

+1. Mine doesn't even ask for receipts.

 

+1. I have Statefarm as well and that's what they told me, but I never mentioned I have a folder 6" tall full of reciepts.

 

What they told you or what they put in legal written form to modify the disclaimers in policy..............gee most insurance companies state only they can modify policies not their agents..................fine print.

 

from what I've found, companies might be willing to cover modifications until they find out they're performance modifications. A lot of times companies want a premium that isn't even remotely worth it like double the cost of insurance for only $10k worth of coverage

 

For those of us that are stupid could you make that a little easier to understand?

 

Basically, get in in writing that they will cover your mods without additional coverage as long as you have receipts.

 

I need to renew my home owner's insurance policy. I had originally purchased through AAA several years ago, but I am going to check with Statefarm to see I can get any discounts since I have 4 car insurance policies with them already. I'll probably go this weekend. I am going to ask them to give me something in writing that they will cover my mods without additional covered as long as I could provide receipts.

I'll let everyone know what they say.

 

I've already had to make claims on aftermarket parts. State Farm has come through for me with no questions asked.

 

If I tell my insurance company I got over +500whp, they will cancel my policy.

 

What about 499

Chris

Good question James...

 

Mine cover all Mods! USAA

 

State Farm told me they will cover parts damaged, but only up to the listed value for the car. So if the car is totaled you don't get any more for all the parts in there. On the other hand, if you damage the intercooler in a front-end fender-bender and it costs $3k to fix, they'll fix it minus your deductible, just like it came from the factory with an IC. They won't guarantee the part used will be the exact same part though. For specific aftermarket parts (like rims) they will provide up to $2500 coverage standard. Anything more (where you specify the replacement part or for custom repair work) will cost a lot more.

All in all, pretty damn confusing exactly what would be covered in any particular scenario.

 

sweet i have USAA to, military FTW!

 

i just contacted USAA, and they seem to be pretty chill about vehicle modification. guess i just need to keep my reciepts

 

anyone have experience with drive insurance from progressive? did you guys have to declare these aftermarket mods or do they just coer them? It seems to me like if you have a turbo kit that adds 100+ horsepower to your car they would want to (justifiably) raise your premium