STS Systems

Jamaica

I am paying 1800 a year. I have wawenesa insurance.

crash1369

As long as it is part of the car (attached) they are supposed to cover it, where you run into a problem is when they decide it's cheaper to just total it rather then replace your parts. Sure they'll give you the value of what the car is worth, but your out for the rest... go ahead, as me how I know.
It's not really to much of a problem unless you start spending a ton of money on it, and apparently I still haven't learned my lesson because it looks like I'll be doing it again with the Z

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crash1369

That's a good point, forced induction is probably the exception to the rule. I never asked specifically about that

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danielw

most insurance companies will cover a certain amount of modifications automatically, mine was up to $1k. The rest you have to report the value to them and they will adjust your rates accordingly. There are a few threads on my350z dealing with this.

Jamaica

ya that sucks for you. I have everything covered on my insurance. so its somethings happens I pay a deductible and ill get a check for the new parts. And i believe the total of extra parts on my car add up to over 11k

danielw

have you actually tested this out? You could easily have a car with $100k worth of modifications, and with what you're saying the insurance company will cover it for the same rate that someone with a stock Z would pay? Somehow I doubt that.

crash1369

You're right. I assure you, they will not. If you manage to convince them the car is in fact worth what you say it is, they would want receipts for everything which they will then look up and determine their own value... then they will total your car, give you essentially nothing, and raise your rates. If you were to even get the full value for a Stock car at that point then you should consider your self lucky. If they want to be ******** about it they will Deduct for every aftermarket part unless you can supply the factory originals to replace it with.
Then they will probably raise your rates either way.

If you get the car appraised and then you can have it insured for the value they determine it's worth (or probably whatever you want) but your rates would be adjusted accordingly.

This is not my first rodeo, I've been through this to many times and I am speaking from experience here. If you actually read your insurance policy (most people don't) you'll see a frightening amount of exclusions like pretty much everything. They have them written so they don't have to do anything they don't want to, essentially they are doing you a favor... or at least that's how they see it It's a business and their out to make money not help us.

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Jamaica

somehow your wrong. Everything in my car is insured. all 4 sets of my wheels, body kit, stereo and engine parts.
plus theirs something called car show insurance. 70% parts on my car is aftermarket. You have to call your insurance company to inquire about it and not assume ohh no they wont. Dont assume.

danielw

I know you CAN get your aftermarket stuff insured but you made it sound as though a regular insurance company that had no knowledge of your aftermarket parts and didn't adjust your rates accordingly was going to cover an unlimited amount of aftermarket parts. I was the only one who inferred that from your post.

Zsteve

they cover it as an every day DD, no limitations as to only being driven for shows? If not thats pretty cool.

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2010 LS3 C6 Silver coupe corvette

209Z

can we stay on topic please =]!

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Jamaica

thank you.

WarmAndSCSI

Wow, talk about off-topic.

Are there any decent quality sound clips of the VHR STS setup? Sounds like my V6 Galant first did when I turbo'd it (i.e. like crap - needed a better muffler and resonator badly).

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danielw

btw I don't care how "off topic" it gets... This guy is in here spreading misinformation on a subject that is extremely important to people with modified cars. The simple truth of the matter is, if an insurance company is going to insure your modifications they are going to need to be able to approximate the value of what they're insuring and set/adjust the rates accordingly. There is absolutely no way any professional underwriting company would say this is your premium for your modified car whether you have $300 worth of modifications or $300,000. Period.

Jamaica

lol your funny. Mis information? do your research which you havent done. I have my policy and knows what it includes. My company adds the coverage at no charge based on my driving record. My rates werent adjusted but decreased from the last two years. Each car insurance provider provides different polices based on your driving record. so you can continue to say so they dont cover it and whatnot. I provide them with recipts on what items are added on the car and its insured. Simple as that. A few members on this forum have this insurance also. If people want to have there aftermarker parts covered simply call your insurance company and ask what type of coverage they offer.


btw call sts turbo and ask for a install manual. I got one for the 350z