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Since we are talking about insurance here, what are you doing regarding mods vs letting insurance know? I've searched the net and it seems pretty tight. Some people keep it quiet, others say its a dumbass idea and you should tell. With so many cars on rims and lowered, it cant be that 90% of people keep it hush hush and pray for the best, its insane.
Turns out I deal with one of the most strict insurances mod wise (Statefarm), and when I started asking my agent questions, he tried the best he can, explained that they insure cars as they are from the factory and anything that i change has to go through an underwriter (so he did not say if it will get rejected or passed). Asked about TRD parts, he did not say anything specific. Then I said when I repair cars they arent "as factory" anymore. What I was trying to get out of him is what is exactly a part that violates their policy vs maintenance replacement. I mean I could probably go to a shop and they make an exhaust for me. It may change performance, but how would they judge if its replacement or performance for racing on the streets? Do I need to call them every time I put a part on my car? Its ridiculous. I just couldn't get anything out of him and he said he can't provide any more info and I should forward the details to him for an adjuster to look at. Which is fine I guess, its worth a try see what they say.
Mods and insurance? Where to? Maybe I should switch? But I heard most companies are like that.
Thoughts?
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