STS Systems

efuseakay

I doubt insurance would cover it as it's not OEM.

The fact that the piping is so low is also a major concern. Sure, you never intend to run over any debris, but if you take your car anywhere, chances are you will.

2fast4thelaw

I am insured with State Farm since I was 16 so I can't speak for other insurance companies.

I have asked my agent on whats covered in a car and everything that is integrated or bolted into the car is covered under comprehensive and collision. It doesent matter if the car came with it or not, if it is an integral part of the car it is covered.

I got rear ended last Spring in my Z and my custom subwoofer enclosure was damaged and my insurance company paid Car Toys to build me a new enclosure exactly like the one I had. This wasnt a problem since they built in in the first place.

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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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Jamaica

Yes certain insurance companies will cover it. Mine does.

1slow370

I have amfam and they've told me that if i turbo or supercharge my car they will drop me so no the don't cover it depends on the company i guess i'd get state farm but my parents have an amfam plan too so it's cheaper for me.

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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.

2fast4thelaw

My wife had AmFam before we got married and they jerked her around over stupid stuff. I put her on my policy and dumped AmFam. I would only use them if I had no other choice

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To the optimist, the glass is half full. To the pessimist, the glass is half empty. To the engineer, the glass is twice as big as it needs to be.

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.

Jamaica

your right they wont cover oem its only aftermarket for my insurance company.

puckshaw

Who is your insurance company? How much are you paying for that kind of coverage?

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.