Quote:
Originally Posted by pcs
most insurance companies only cover cosmetic modifications. Adding turbos and superchargers (this is the FI forum after all) is usually a no-go unless you have a specialty carrier for a collector car. It's generally an eligibility thing that would only be considered with underwriter approval. The vast majority of insurance companies are looking to insure regular vehicles, not a frs/brz that has an extra 300whp.
On the flip side, if you get into an accident and you have $20k in mods to your car, it's not reasonable to expect your own insurance company to cover the extra $20k in mods. They've been charging you premiums based on an estimated total loss of $18k or whatever, not $18k + $20k in mods. Nothing is free!
Now... if someone else hits you and they're liable, then you should absolutely expect to be made whole again, and their insurance company should cover your car as-is (up to their policy limits).
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Going back on this. If it is gonna be written off, my insurance would pay me for the value of the car?
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