STS Systems

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.

Jamaica

My company didnt adjust the rate of my premium. Its included in the insurance.

danielw

but it must have been based off of what you told them was on the car in the first place. Again, all I'm saying is that no one is going to insure 50k or 100k worth of modifications for the same price they would insure a stock 270z for.

Jamaica

ugh noooo.

danielw

well then they're bsing you. Again how is it possible that they can stay in business insuring a car with 11k in mods for the same amount that they would charge someone with $100k in mods. Common sense dude.

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