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Old 04-30-2013, 04:26 PM   #1
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What happens with mods if your car gets totalled?

This is probably a silly question, but I've got to ask. What happens with all the mods on your car if it gets totaled? I was driving along this afternoon enjoying the sunshine and I saw a car that had recently been broadsided and was sitting on its roof. No one was in the car, some folks were standing around looking sad, and police and fire were just arriving. It occurred to me that if some idiot ran into my and totaled the car the insurance company would probably give me $25,000 and keep my car. The $14,000 or so in mods would end up going to the junk yard or perhaps if they weren't damaged the supercharger and headers would be removed and sold by some clever employee of the insurance or towing company. Am I missing something here or is that pretty accurate??
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Old 04-30-2013, 04:31 PM   #2
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If you reports the mods, and/or have receipts, I assume it would be covered.
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Old 04-30-2013, 04:33 PM   #3
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Sounds accurate. You are always able to call your insurance company and add coverage for your modifications. However, your insurance company may deem your modifications too risky to cover or jack up your premiums to not only cover additional value but also additional risk.

However, you have the right to remove anything from the vehicle that isn't factored in your settlement, just like any other personal belongings.
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Old 04-30-2013, 04:44 PM   #4
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When one of my vehicles was totaled, they wrote me the settlement check, but they didn't want the truck...lol...It was still mine...If I kept it, I would have had to re-register it as a salvage....It was up to me to dispose of it, or keep it...(I just got rid of it)...

....Just sayin, if they don't re-imburse you for all that, at least you may still have it to re-sell or re-use...
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Old 04-30-2013, 04:45 PM   #5
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Quote:
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Sounds accurate. You are always able to call your insurance company and add coverage for your modifications. However, your insurance company may deem your modifications too risky to cover or jack up your premiums to not only cover additional value but also additional risk.

However, you have the right to remove anything from the vehicle that isn't factored in your settlement, just like any other personal belongings.
Maybe they'd give me a break because of my age, but my past experience with insurance companies tells me that they'd cancel me if I told them about the mods or in the best case they'd raise my premiums to be similar to your ZL1.

If it comes to that, I'll keep your last sentence in mind and will try to get the supercharger if it isn't damaged. That's the most expensive single item.
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Old 04-30-2013, 04:47 PM   #6
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Its called Custom Parts and Equipment Coverage (CPE).
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Old 04-30-2013, 04:47 PM   #7
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Speaking from having just had a totaled G8, with minimal mods, the insurance company doesn't care about mods. I tried to get extra $$ for what I had and they said that if I still had the original parts I could go get my mods as long as I put the original parts back on because they were going to give me the same money either way.
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Old 04-30-2013, 04:47 PM   #8
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When one of my vehicles was totaled, they wrote me the settlement check, but they didn't want the truck...lol...It was still mine...If I kept it, I would have had to re-register it as a salvage....It was up to me to dispose of it, or keep it...(I just got rid of it)...

....Just sayin, if they don't re-imburse you for all that, at least you may still have it to re-sell or re-use...
Now that would be great. I could pull the undamaged parts off and have them installed on a replacement, or perhaps even swap whole engine.

I don't know why I worry about stuff like this anyway. If it happens it happens.
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Old 04-30-2013, 04:51 PM   #9
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Often you have the oprtion of buying the totaled vehicle for the salvege price also that could be expensive in your case and you should have informed them of oprional equipment.........or see if you can recover your personal "items" from the car and let them know you did some "minor mods" recently and would like to recover the parts and leave the stock parts.....and I would not mention the mod being a supercharger.......
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Old 04-30-2013, 04:55 PM   #10
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I work in a salvage yard. We rarely get any cars with mods on them (not counting those stupid-ass stick-on portholes) but when we do, they go in the showroom and are priced as-is. If the car has custom wheels, they go in the core pile unless it is a complete undamaged matched set.
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Old 04-30-2013, 04:58 PM   #11
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Now that would be great. I could pull the undamaged parts off and have them installed on a replacement, or perhaps even swap whole engine.

I don't know why I worry about stuff like this anyway. If it happens it happens.
Many moons ago I had a truck stolen that was never recovered...I had to sign the pink over to them in that case...I was surprised when they didn't want the same thing here...

The wrecked one was an '04 Avalache...frame damage only that totaled it...over all the rest of it was in decent shape...I was happy with the settlement check, and then surprised they didn't want the vehicle...lol...

I could have parted it out, kept the motor and trans, but didn't want to hassle it...The insurance directed me to a company that buys wrecks...Got an additional 2K out of the deal...Signed it over to them...No complaints....
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Old 04-30-2013, 05:30 PM   #12
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Back in 2004 when my Z28 was totaled by a semi, I provided receipts for my mods and was reimbursed on them. I didn't have a ton of stuff done - basically just suspension, air lid and exhaust, but they did reimburse me.
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Old 04-30-2013, 05:47 PM   #13
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You have talk to your insurance company before your car gets totaled. Submit receipts/photos to your insurance company, pay the new rates. Lol. I did this with my car, I believe the insurance company categorizes it as a show car.
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Old 04-30-2013, 06:58 PM   #14
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I have the Hartford Insurance through AARP. I recently called them and inquired about including my mods in the coverage. They said they do not do that, and do not provide any type of coverage for that. I guess that is OK as I don't pay very much for insurance.
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Old 04-30-2013, 07:03 PM   #15
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I have the Hartford Insurance through AARP. I recently called them and inquired about including my mods in the coverage. They said they do not do that, and do not provide any type of coverage for that. I guess that is OK as I don't pay very much for insurance.
They charge for it. I think you have to call it a show car.
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Old 05-01-2013, 12:02 PM   #16
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I bought a Supercharged GTO at an auction once...brand new Maggie on it. Called the guy who owned it and he said his insurance company would not let him take it off. He ended up eating the mod. I've seen a lot of cars go thru auctions with no intakes on them, if it was my car I would have it towed back to my house so I could pull my mods off. Until the insurance pays you for it, it is still your vehicle. Better to ask for forgivness than beg for permission.
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Old 05-01-2013, 12:58 PM   #17
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I had a 1978 z28 totaled. While it was in the insurance companies compound someone stole a bunch of stuff out of it. Rims, Carb, intake, stereo. You could tell that it was an inside job. I went and got estimates on replacements and they cut me a check for all of it.
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Old 05-01-2013, 01:51 PM   #18
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This is a good question and I've thought about it as well. I think the best option would be to have the car towed to either your house or to a paint shop in your favor. That will give you the ability to pull some of the stuff off although there is a good chance you wouldn't get everything. Like someone mentioned, it's still your car until it's officially totaled and they write you or your bank a check.

If the part was damaged in the wreck....my guess is you would be SOL. I doubt they'll reimburse you for it. It would only make sense to me that they would want to charge you more per month if they were going to cover additional add-ons to the car.
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Old 05-01-2013, 02:03 PM   #19
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Here's a good question. What if another driver is at fault and their insurance company is responsible for damages? I do not know whether your Insurance Policy/Coverage is invoked. It would seem, that the other drivers insurance should be responsible for all losses from the collision. However, I'm sure it's not that simple.
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Old 05-01-2013, 02:29 PM   #20
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Here's a good question. What if another driver is at fault and their insurance company is responsible for damages? I do not know whether your Insurance Policy/Coverage is invoked. It would seem, that the other drivers insurance should be responsible for all losses from the collision. However, I'm sure it's not that simple.
Actually, I think it is that simple....If you know for sure it's the other partie's fault and they are responsible, you can file a claim with your own insurance if it gets things moving quicker, then your insurance will get re-imbursed from the other one....

If it's a drawn out thing of who's at fault, get your car fixed with your own inurance, then they can figure out later who pays what...

....Or, you can just have the other party's insurance handle it and not file a claim with your insurance...

...Either way, you will want an adjuster from your insurance to look at the car and the figures for your own protection...All the agents, adjusters work together anyway, just to make it go smoother for you and them...At least, that's how it went for me...
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Old 05-05-2013, 09:04 PM   #21
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I have the Hartford Insurance through AARP. I recently called them and inquired about including my mods in the coverage. They said they do not do that, and do not provide any type of coverage for that. I guess that is OK as I don't pay very much for insurance.
usually you can get a "rider" policy. That covers mods.
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Old 05-05-2013, 09:36 PM   #22
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If your vehicle is NOT a daily driver I woul;d switch over to a collector car insurance company. I had my 2001 Z28 unde Grundy Collector Car insurance for an agreed value of $35k that means if the car is totalled or stolen I get the full $35k. I was paying right at $435 a year no limitations on miles the only thing is you cannot use to to drive to and from work on a daily basis.
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Old 05-05-2013, 10:41 PM   #23
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They wind up on ebay.
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