Originally Posted by Lynxis (Post 2666063)

I don't intend to get in an accident or anything but I'm thinking about modified car insurance after hearing a horror story from a friend who's car was written off in a not-at-fault accident and his insurance company denied his claim on grounds of failing to disclose modifications to his car.

I've spent some time looking into it and each company has their own limits regarding approved modifications. Some like Statefarm were fine with strictly appearance modifications like lip kits and wheels, others, like TD, will disqualify a car for running aftermarket exhaust tips. Unfortunately, all of them said coilovers and big brakes are out so I've got a problem if I'm ever involved in an accident.

There is speciality insurance available for hot rods, classics and show cars from Haggerty or Lant but they won't work for me because they place too many restrictions to daily drive the car. The only thing I've found that will cover me is through Facility which I was quoted at $720/mo. For that much, I can get another car and insure that as a daily driver but I can't afford that either.

I'm weighing my options but looking to hear from other people who have experience or knowledge with this. Nearly everywhere else has affordable coverage options for modified cars, usually involving regular inspections but I haven't been able to find anywhere in Ontario that's cool with it.

Originally Posted by Mr.Impreza (Post 2667942)

I believe the issue only occurs if you try to claim money for those parts that you never told insurance about or if it's your fault accident. Like you modded the car to 400hp and was speeding and hit a car etc...than they could maybe dig deeper and deny you. So, just drive safe.

BUT, if someone hits you and it's not your fault they have to pay. If not, get a lawyer.

When my Subaru got hit in a parking lot, (i saw it happen) i called insurance right away. Someone from the company came down next day, looked at the damage and wrote me a cheque.

This is what the Subaru looks like. Clearly, not what a 2002 WRX is supposed to look like lol

http://s33.postimg.org/m1i241p7z/WP_000239.jpg

Originally Posted by aghuman (Post 2667885)

What company was your friend with if you don't mind me asking? What kind of modifications did he have?

Originally Posted by 7thgear (Post 2667756)

did your friend try to get money back for the modifications that he made after he totaled the car?




the general rule here is a don't ask don't tell


if you wreck your car, assume that you're paying out of pocket for the replacement of any aftermarket parts, especially when it comes to suspension and shit.


Aside from facility, you really do not have any options in the current insurance environment, and everything you do, including autocross and track, is at your own risk. If you wreck a car at the track, consider it a full write off, cuz if you try to go through insurance, you might win the battle, but you will most likely be black listed and never again have access to reasonable insurance rates and deal with facility for the next decade.

Originally Posted by Kazuya (Post 2677181)

If you don't want to get deny for insurance, don't mod your car, if you're ready to lawyer up and fight for claims, mod your car.

It's that simple, don't argue with opinions.

Originally Posted by Skurj (Post 2677152)

I'm with coseco insurance, and every 6 months when I call to make changes (car going in and out of storage) they ask me if any of my cars are modified. Due to the paranoia.. my cars are more or less stock now.. BUT.. my last call with the ins co, I asked about making modifications. I specifically said suspension and wheel upgrades and the agent asked what the value would be.. i said 3-5k... She put me on hold... came back said so this is for performance reasons.. I said yes.. She put a note on my policy and just said to give them a call once I have made the modifications..

So basically for now I am going to assume I have the green light .. so mebbe next year coil overs :)