Quote:
Originally Posted by Dave-ROR
Ah but it does. They will refer him back to his insurance to pay for the customized parts.
It's happened many many times included to several people that I personally know. Now some got lucky, others didn't. Generally it falls in line with who the insurance provider is.. ABC Insurance Co is far less likely to cover anything they don't need to than Allstate is.
Hell Geico tried to only pay me 20% of damages for an accident where their insured was drunk and ran a red light. Their logic was that I hit his rear axle so he was "mostly through the intersection so had the right of way". They lost that fight but generally they will try to fight anything that increases their cost.
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With the understanding that the rules vary depending upon company and location anybody here would not have a hope in hell of collecting for undeclared parts or mods. If you sign the contract stating your car is worth XXXX dollars and pay premiums on that amount that is the insurance value that is covered. If you come back after an accident and say "well I had $5,000 worth of extras on there" then they will just say you are shit outta luck. Again understand that things vary but it costs me around an extra $10 a year to insure my $3,000 in mods. If the car is totaled I get that paid without any fight since they are part of the agreed value of the car. People will pay thousands of dollars for wheels or parts but balk at an extra few dollars to insure them which makes no sense to me.