STS Systems

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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