I totaled my car, so now what to do. - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

RBL · 03-24-2014, 09:55 AM

Well I totaled my SS saturday night. My question is do I tell the insurance company about my supercharger and try to get them to cover some of it, or do I just not say anything and try to buy my car back from them and pull the motor and supercharger out myself and resale it?

Blue Thunder · 03-24-2014, 10:00 AM

Probably should have done some thinking about this day a while ago and had a plan in place. My thought is they will not add any value to your car for the add ons. Best to talk to your adjuster about being able to remove the SC.

Sent from my Galaxy S4

1985airborne · 03-24-2014, 10:01 AM

Yes you can tell them but unless you told them to cover it with your policy they will not insure it. USAA wouldnt for me when i totaled my first SS. They gave me the addresss to the yard where my car was and I stripped my own car. I had full Bolt ons and spoiler...Hell had I knew what I know now I would have took the throttle body as well...Sorry for your lost, but strip all your parts and buy another one!

unxpected_12 · 03-24-2014, 10:09 AM

i work for an insurance company and we frindge on modified vehicles. there is actually a question we have to answer... is the vehicle is customized or modified. Once we put the option for modified we sometimes can not insure it. if you have your car at home remove what you put in to it. try to put some of the stock stuff back. best advise coming from the insurance side. in the future FYI there is an endorsement that needs to be placed for additional coverage for expensive wheels and tires and sound system.

Mannsiam · 03-24-2014, 10:16 AM

Finally some good advice ^^^^^. Thank you for the insite.

baum · 03-24-2014, 11:25 AM

Quote:

Originally Posted by unxpected_12

i work for an insurance company and we frindge on modified vehicles. there is actually a question we have to answer... is the vehicle is customized or modified. Once we put the option for modified we sometimes can not insure it. if you have your car at home remove what you put in to it. try to put some of the stock stuff back. best advise coming from the insurance side. in the future FYI there is an endorsement that needs to be placed for additional coverage for expensive wheels and tires and sound system.

good advice..

however every company is different. my insurance would cover a stereo if its bolted to the car.

RBL · 03-24-2014, 11:32 AM

thanks, guess I will just keep my mouth shut and try to buy the car back.

jd10013 · 03-24-2014, 11:51 AM

some insurance companies will give you the option too. they'll pay out with the mods (then they get to keep) or base the payout on a stock car and you get to keep the mods.

jd10013 · 03-24-2014, 11:52 AM

Quote:

Originally Posted by RBL

thanks, guess I will just keep my mouth shut and try to buy the car back.

the only problem with that is the insurance adjuster will have looked at the car to determine if it is a total loss and and will know there are mods on it. they'll likely charge you more to buy it back.

PalmerGA · 03-24-2014, 12:13 PM

I think you need to be up-front with your agent. If the mods weren't covered they probably weren't figured into the price thy will be paying you for the car. If that's the case, they may very well let you strip off the mods before final disposition. A friend of mine did just that about 10 years ago with his totaled (and modified) Challenger (older model year). His insurer called the junk yard and he was able to get back his undamaged mods - no charge. Better hurry though!!! Good luck.

unxpected_12 · 03-24-2014, 12:34 PM

We have had cases where people replace engines with worked on or different displacement or suspension parts without us knowing and we do consider some portion to a certain extent. And yes anything that is permanently bolted to ur verhicle is covered ei on diesel trucks external fuel tanks etc..but if you want something covered properly be sure to let your company know so they can document it and take photos. We always say....bring me a pic showing the stuff on the vehicle or a install manual or heck even the wiring left from a stolen sounds system and we will cover but it all depends on value and mods. Like on my 05 nbs crew cab its FBO with everything possible on it to not take chances I put the endorsements on it for additional equipment installed. We also finance vehicles and I have people come in wanting to buy a modified truck for say 11k but only finance 6000 because of the book value the rest is up to the customer to properly cover since its hard to place vakues on aftermarket equipment. Hope it helps.

jd10013 · 03-24-2014, 01:10 PM

Quote:

Originally Posted by PalmerGA

I think you need to be up-front with your agent.

this.

the last thing you need is to end up on a fraud list.

Green Machine · 03-24-2014, 01:46 PM

When I totaled my trucked a while back, my insurance company did give me a little extra on my check, but no where near how much the mods/replaced tires cost.

RubyCamaro · 03-24-2014, 01:58 PM

Thanks for this thread. You just prompted me to call my insurance agent as I have been saying I needed to for a while now.

Sorry for the loss of your Camaro. Hope it works out as well as posible & you are wearing that permagrin again ASAP.

03-24-2014, 09:55 AM	#1
RBL Drives: 2010 camaro 2SS Join Date: Mar 2012 Location: WV Posts: 400	I totaled my car, so now what to do. Well I totaled my SS saturday night. My question is do I tell the insurance company about my supercharger and try to get them to cover some of it, or do I just not say anything and try to buy my car back from them and pull the motor and supercharger out myself and resale it? __________________ www.lashwaymotorsports.com 2012 L99, whipple, Roto-Fab, Stainless Power headers, ZL1 fuel pump, cat delete.

03-24-2014, 10:00 AM	#2
Blue Thunder Drives: 2014 Chevy Camaro 1SS/RS Join Date: Oct 2013 Location: Chicagoland, Illinois Posts: 250 View My Garage	Probably should have done some thinking about this day a while ago and had a plan in place. My thought is they will not add any value to your car for the add ons. Best to talk to your adjuster about being able to remove the SC. Sent from my Galaxy S4 __________________ 2014 Chevy Camaro 1SS/RS L99 377rwhp/396rwtq Stainless Power 1-7/8 headers, HF cats Magnaflow 3" tru-x cat back exhaust NicKey Dyno tune Bo White ported throttle body Elite Engineering Catch Can CAI air intake GM Strut Brace Bar JL Audio 12w3 sub, JX1000/1d amp CFD Carbon Fiber pistol grip TapShift shifter EGX rear window louvers 4500k HID head and fog lights

03-24-2014, 10:01 AM	#3
1985airborne One Slow Automatic Drives: 2017 GS 2010 CAMARO SS Join Date: Mar 2010 Location: NC NJ NY DMV THE BAYAREA Posts: 877	Yes you can tell them but unless you told them to cover it with your policy they will not insure it. USAA wouldnt for me when i totaled my first SS. They gave me the addresss to the yard where my car was and I stripped my own car. I had full Bolt ons and spoiler...Hell had I knew what I know now I would have took the throttle body as well...Sorry for your lost, but strip all your parts and buy another one! __________________ 650HP 2010 CAMARO SS 710HP 2017 GRAND SPORT

03-24-2014, 10:09 AM	#4
unxpected_12 Xpect the unXpected Drives: 2016 Camaro 2SS Join Date: Feb 2013 Location: Rio Grande City, TX Posts: 42	i work for an insurance company and we frindge on modified vehicles. there is actually a question we have to answer... is the vehicle is customized or modified. Once we put the option for modified we sometimes can not insure it. if you have your car at home remove what you put in to it. try to put some of the stock stuff back. best advise coming from the insurance side. in the future FYI there is an endorsement that needs to be placed for additional coverage for expensive wheels and tires and sound system. __________________ UnXpected Performance-Xpect the UnXpected

03-24-2014, 10:16 AM	#5
Mannsiam Drives: 2014 Camaro 1SS/RS 1LE Join Date: Oct 2013 Location: Wisconsin Posts: 441 View My Garage	Finally some good advice ^^^^^. Thank you for the insite. __________________ Yeah Im a Chevy Guy. 11 Silverado, 12 Malibu, 14 Camaro 1LE

03-24-2014, 11:32 AM	#7
RBL Drives: 2010 camaro 2SS Join Date: Mar 2012 Location: WV Posts: 400	thanks, guess I will just keep my mouth shut and try to buy the car back. __________________ www.lashwaymotorsports.com 2012 L99, whipple, Roto-Fab, Stainless Power headers, ZL1 fuel pump, cat delete.

03-24-2014, 11:51 AM	#8
jd10013 Drives: 2012 camaro Join Date: Feb 2012 Location: central VA Posts: 3,196	some insurance companies will give you the option too. they'll pay out with the mods (then they get to keep) or base the payout on a stock car and you get to keep the mods.

03-24-2014, 12:13 PM	#10
PalmerGA Drives: 2013 SIM 1SS/RS L99 Join Date: May 2012 Location: Southwest GA Posts: 8,755 View My Garage	I think you need to be up-front with your agent. If the mods weren't covered they probably weren't figured into the price thy will be paying you for the car. If that's the case, they may very well let you strip off the mods before final disposition. A friend of mine did just that about 10 years ago with his totaled (and modified) Challenger (older model year). His insurer called the junk yard and he was able to get back his undamaged mods - no charge. Better hurry though!!! Good luck. __________________ 2013 1SS/RS Coupe L99, Stainless Power Works LT Headers, SCT X4 Custom Tune from RDP, CAI Inc. Air Intake w/ Apex Scoop, VMAX CNC Ported Throttle Body, Solo Axle-Back Exhaust w/ J-pipes, Apex Catch Can, Husky Splash Guards, Heritage Grille, 3D Carbon Rear Spoiler, Oracle Chrome Turn Signal Bulbs, GM Reverse Light Trim Billets, Gorilla Black Locking Lugs, Emblem Pros Retro SS Badges/Custom Retro SS Kickplates/Under-hood Bowtie, 35% window Tint, Nitto Motivo Tires (6-8-18)

03-24-2014, 12:34 PM	#11
unxpected_12 Xpect the unXpected Drives: 2016 Camaro 2SS Join Date: Feb 2013 Location: Rio Grande City, TX Posts: 42	We have had cases where people replace engines with worked on or different displacement or suspension parts without us knowing and we do consider some portion to a certain extent. And yes anything that is permanently bolted to ur verhicle is covered ei on diesel trucks external fuel tanks etc..but if you want something covered properly be sure to let your company know so they can document it and take photos. We always say....bring me a pic showing the stuff on the vehicle or a install manual or heck even the wiring left from a stolen sounds system and we will cover but it all depends on value and mods. Like on my 05 nbs crew cab its FBO with everything possible on it to not take chances I put the endorsements on it for additional equipment installed. We also finance vehicles and I have people come in wanting to buy a modified truck for say 11k but only finance 6000 because of the book value the rest is up to the customer to properly cover since its hard to place vakues on aftermarket equipment. Hope it helps. __________________ UnXpected Performance-Xpect the UnXpected

03-24-2014, 01:46 PM	#13
Green Machine Always Workin Drives: 2021 Mazda MX-5 Join Date: Aug 2013 Location: Youngstown, OH Posts: 1,362	When I totaled my trucked a while back, my insurance company did give me a little extra on my check, but no where near how much the mods/replaced tires cost. __________________ 2023 Vivid Orange 1SS 1LE 6MT Arrived 8/31 Purchased 9/3 2018 1SS 1LE, HyperBlue Metallic (Sold) 2014 1SS 1LE, Black, Twin Turbo (Sold)

03-24-2014, 01:58 PM	#14
RubyCamaro Jan Drives: 2010 Camaro 1LT Red Jewel tintcoat Join Date: May 2010 Location: Springfield, TN Posts: 16,225 View My Garage	Thanks for this thread. You just prompted me to call my insurance agent as I have been saying I needed to for a while now. Sorry for the loss of your Camaro. Hope it works out as well as posible & you are wearing that permagrin again ASAP. __________________