05-22-2011, 01:46 PM | #1 |
Drives: '10 Camaro LS - M6 Join Date: Mar 2010
Location: Arlington, VA
Posts: 550
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Denied insurance because of exhaust/intake?
I have Geico and I read on different forums about how Geico and other companies routinely drop people simply for adding an intake or exhaust because those are "performance modifications" and they argue it means you "race the car".
Has anyone here experienced this? If you are in an accident, can they void your insurance if you have an MRT exhaust installed? My guess is that these companies will look for any excuse to get out of paying. Aside from USAA, what are some mod friendly insurance companies? :( Thanks.
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05-22-2011, 01:54 PM | #2 |
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i have never heard about that? i just remember they wouldnt cover it you get me?
i have all my mod ( intake , exhaust , dropped , headlights , fogs ) and USAA is okay with it? i had my car crashed ( on the side ) i took it to the body shop they recommended and they never complained about it. he was just like woah you dropped it? look soo mean now! |
05-22-2011, 02:05 PM | #3 |
Drives: 2011 LS Join Date: Oct 2010
Location: FL
Posts: 1,643
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yeah I never heard of that, but Geico loves to drop people. I had them for 2 years and got 1 ticket and they dropped me. That was many years ago, but swore I would never go back. Age may play a role in this as well, they may classify you in the Performance (V8) catagory with performance mods. IDK just a thought
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05-22-2011, 02:12 PM | #4 |
Drives: 2013 Hot Wheels Special Edition Join Date: May 2009
Location: Auburn,Mass
Posts: 1,333
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I've never heard of that myself, sounds like Geico SUCKS!!
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05-22-2011, 02:16 PM | #5 |
So-Cal Race team!!
Drives: Tahoe LTZ,2010 2SS/M6 Camaro Join Date: Apr 2009
Location: Phillips Ranch ca. So-Cal
Posts: 5,973
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Just tell them your stock..
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WE RACE DEEP!!
BBK Intake, Flowmaster AT cat back Barton shifter,Painted stripes,,Heritage grill,LED DRLs, Smokin Tires!! |
05-22-2011, 02:18 PM | #6 |
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1 ticket adn dropped? i got 4 and othing yet !
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05-22-2011, 02:19 PM | #7 |
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how would they know you even have mods done to it? they come check your car out?
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upgrades kooks 1 7/8" LTH w/ deleted cats, corsa exhaust, hurst short throw shifter stage 3 comp cam, 3.91 gears ecs kit blower, meth injection, upgraded axles, drive shaft, McLeod rxt clutch, fully forged 416ci stroker all installed and dyno tuned by slowhawk performance in bridgewater ma. |
05-22-2011, 03:00 PM | #8 |
Drives: '10 Camaro LS - M6 Join Date: Mar 2010
Location: Arlington, VA
Posts: 550
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If you lie, this could backfire apparently. From TSX forum:
"a friend of mine told his insurance company 'no' when asked if his car was modified. a few months later he got into an accident - the insurance denied his coverage because he had an intake. damage to car was close to $10,000 and insurance tried everything they could to not pay for the repairs. messed up situation to be in." http://www.tsxclub.com/forums/canada...tml#post546208 When you get into an accident and file a claim, the insurance claims adjuster makes note of mods they find.
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05-22-2011, 03:03 PM | #9 | |
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Quote:
i mean the most they can do is NOT cover your mods? you get me? like if they replace your car. they wont add a supercharger and such you get me? or pay for new rims and such. unless you tell them and they cover it therefore your insurance might go up. |
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05-22-2011, 03:08 PM | #10 | |
Drives: 2011 LS Join Date: Oct 2010
Location: FL
Posts: 1,643
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Quote:
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05-22-2011, 04:05 PM | #11 |
Drives: Silver Bullet Join Date: Sep 2010
Location: DFW
Posts: 845
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05-22-2011, 04:47 PM | #12 |
I am with statefarm and they have no problem with my mods. I actually asked them about theft of my car and insurance paying for the mods. Every mod I have listed on my sig they cover as long as i keep my reciept.
Now in saying that i havent had a speeding ticket since i was 18 which was 11 years ago so maybe that helps.
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Mods:
Dynatech Headers, High flow cats, MSD 8.5 wires, magnaflow bullits, Halltech intake, SCT tuner, maggie tvs 2300, Jannetty Tune, BMR driveshaft safety loop, Pfadt drop springs, Pfadt rear trailing arms, Pfadt rear tie rod, ACT Twin Disc Clutch, DSS Aluminum Driveshaft. Appearance Mods: AAC Concept Sidemarkers, P13W Plasma LED Bulbs, Iforged Classics 20". Next Mods: Cam and Fuel System. |
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05-22-2011, 04:50 PM | #13 |
Drives: 2013 SVT Raptor, sold 2010 Camaro Join Date: Jul 2009
Location: PNW....almost canada
Posts: 1,907
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"I am with statefarm and they have no problem with my mods. I actually asked them about theft of my car and insurance paying for the mods. Every mod I have listed on my sig they cover as long as i keep my reciept."
State farm here as well, same experience.
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05-22-2011, 04:52 PM | #14 |
Suffers Fools Poorly
Drives: 2010 SS/RS, CGM w/ Silver Stripes. Join Date: May 2011
Location: Coolidge, AZ
Posts: 1,117
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Uhm...I can't remember an insurance company ever inspecting my car, and I don't typically report modifications to them...
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2010 2SS/RS, CGM w/ silver stripes. Hurst Shifter, long tube headers, full exhaust, CAI, tune. SAE 407 RWHP/402 RWTQ
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