Insurance on mods I am sure most know but for the noobs ;)
#1
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Insurance on mods I am sure most know but for the noobs ;)
Just because I work for an insurance company as an I.T. dude I have learned this factiod. Otherwise I would probably have no clue. You have to call your insurance agent and add your mods to your policy. Like get the total value + installation and give him/her that number. I just added $4500 worth of upgrades to my policy in case of an accident and it cost me $7 a month. You got to weigh that if two cups of coffe @ starbucks is really worth losing all the value of your mods in case of a total or theft. Not an advertisement in any way as I wouldn't tell ya where I work anyways
Now go doo it, like right now.
I mean it.
Now go doo it, like right now.
I mean it.
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It can be a pain in the *** to get them covered, esp. if stolen, EVEN IF YOU HAVE COVERAGE (I do) Make sure you have RECEIPTS, and if you cant get those, get PICTURES of your car with a current newspaper and the mods in the frame.
Dont ask me how I know this ;(
Dont ask me how I know this ;(
Last edited by mcowger; 01-17-2007 at 02:29 PM.
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Originally Posted by wagonrex
i always wonder about this. As i only have some receipt for the items and some of them are used from another person. So a picture with a date is fine?
Oh, and only mods physically INSTALLED in the car count. Windshield mounted GPS's, etc aren't considered covered ;( Found that out too.
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Originally Posted by mcowger
It can be a pain in the *** to get them covered, esp. if stolen, EVEN IF YOU HAVE COVERAGE (I do) Make sure you have RECEIPTS, and if you cant get those, get PICTURES of your car with a current newspaper and the mods in the frame.
Dont ask me how I know this ;(
Dont ask me how I know this ;(
#11
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Originally Posted by ucbsti
No. If you have documentation of the mods, pics of the on the car, AND you actually pay for the extra coverage, then you should be fine.
I had all of the above, and still had to fight quite hard. It was no cakewalk.
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Originally Posted by debbid
I agree. when my 04 WRX was totalled they gave $600 for mods. I had spent close $7k in mods
How much of the mods did you insure? Probably none and they still gave you money for the mods? If so you were lucky you got anything as most companies would say sol. This would not have happened if you would have stated 7k in mods and paid the extra premium for them.
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Originally Posted by ucbsti
No. If you have documentation of the mods, pics of the on the car, AND you actually pay for the extra coverage, then you should be fine.
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Originally Posted by mcowger
I still had to fight even with the picture, but it helped. I eventually got what i needed.
Oh, and only mods physically INSTALLED in the car count. Windshield mounted GPS's, etc aren't considered covered ;( Found that out too.
Oh, and only mods physically INSTALLED in the car count. Windshield mounted GPS's, etc aren't considered covered ;( Found that out too.