Have You Claimed Your Mods w/Insurance? - Page 2 - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

PandaSS · 01-17-2017, 04:07 PM

Anyone have any experience with USAA? I am not as much interested in coverage for my mods, just want to know if they have a clause similar to what SnowyCamaro was saying. I can look it up myself but figured I'd ask here first before I wade through the legal documents

KGoddard · 01-17-2017, 09:11 PM

I'm in the insurance industry. I personally have Geico and I have told them about all my appearance modifications so they will pay out for what I've dumped into my car. I however, do not tell them anything about stuff I have done to make more power. You would probably be fine with letting them know you have a cat back but that's about as far as I would go. I know that Geico has lists of vehicles that they associate with being raced and if you have one of those vehicles and you tell them the wrong things they will nonrenew your policy. They assume the worst unfortunately and think you race your car, whether it's on the track or in the streets, they don't care.

Sent from my Pixel using Tapatalk

JCunningham · 01-18-2017, 12:24 AM

Grundy $43k agreed value.

lbls1 · 01-18-2017, 08:15 AM

Years ago when I spent good money on either exterior mods (wheels) or stereo mods, then I would send the receipts to my insurance company. Luckily I've never had to claim a loss on the mods, but its a good practice to list your investment just in case.

01-17-2017, 09:11 PM	#16
KGoddard Drives: 2013 Camaro 2SS/RS Join Date: Jun 2015 Location: NOVA Posts: 351 View My Garage	I'm in the insurance industry. I personally have Geico and I have told them about all my appearance modifications so they will pay out for what I've dumped into my car. I however, do not tell them anything about stuff I have done to make more power. You would probably be fine with letting them know you have a cat back but that's about as far as I would go. I know that Geico has lists of vehicles that they associate with being raced and if you have one of those vehicles and you tell them the wrong things they will nonrenew your policy. They assume the worst unfortunately and think you race your car, whether it's on the track or in the streets, they don't care. Sent from my Pixel using Tapatalk __________________ 12.3 @113MPH - Full Bolt-Ons w/ Nitto 555r on 18" wheel

01-18-2017, 12:24 AM	#17
JCunningham Drives: 2017 2SS M6 Join Date: Jun 2013 Location: WNY Posts: 7,069	Grundy $43k agreed value. __________________ real ZL1 wheels and brakes, 285/305 Michelin Pilot Super Sports, Pray ported Intake manifold, Soler Throttle Body, Rotofab intake, EFI Tuning Flex fuel kit, full American Racing Headers Exhaust, 1 7/8" w/ cats H pipe and mufflers. Full 1LE suspension, with BMR adjustable sway bars and links, GM aluminum cradle bushings, Hurst shifter with lighter reverse spring, TWM shifter knob, Tick level 1 transmission. I should have bought a ZL1

01-18-2017, 08:15 AM	#18
lbls1 Drives: 2002 Camaro SS SOM; 2015 Malibu LTZ Join Date: Dec 2010 Location: Queens, NY Posts: 4,073	Years ago when I spent good money on either exterior mods (wheels) or stereo mods, then I would send the receipts to my insurance company. Luckily I've never had to claim a loss on the mods, but its a good practice to list your investment just in case. __________________ '02 CAMARO SS SOM; 5.7L LS1/FLS6B '08 TBSS AWD Black Granite Metallic '15 Malibu LTZ 2LZ Turbo *'14 CAMARO ZL1 Blue Ray Metallic* '25 Silverado 1500 High Country 6.2L

01-17-2017, 04:07 PM	#15
PandaSS Drives: 2010 1SS L99 Join Date: Nov 2016 Location: Annapolis, MD Posts: 83 View My Garage	Anyone have any experience with USAA? I am not as much interested in coverage for my mods, just want to know if they have a clause similar to what SnowyCamaro was saying. I can look it up myself but figured I'd ask here first before I wade through the legal documents