Modified car insurance in Ontario

[Ben_G]

Originally Posted by wparsons

Bolt in and out, yes... but might not be functionally equivalent to stock. OEM would mean 100% OEM, or OEM equivalent.

If you put in a set of really cheap coilovers and get into an accident because the valving was totally wrong for the spring rates and caused you to spin out at a reasonably slow speed when you hit a bump, who's fault is that? Should the insurance company pay out because you made the handling WAY worse and got into an accident?

They're covering a car that has risk factors based on how it was originally built/sold, if you've changed something that alters what they think they're covering, they'll want no part in covering it.

This. For. Sure.

I'm already nervous about wheels, but I figure that it's the least of any adjuster's concerns.

I figure that if I end up doing any real mods, the cost of the mod+totally legally insuring the car = Porsche Cayman + insurance + maintenance.... how fucked up is that??

[Mr.Impreza]

Originally Posted by Ben_G

This. For. Sure.

I'm already nervous about wheels, but I figure that it's the least of any adjuster's concerns.

I figure that if I end up doing any real mods, the cost of the mod+totally legally insuring the car = Porsche Cayman + insurance + maintenance.... how fucked up is that??

Wheels won't affect your insurance claim.

[Ben_G]

Originally Posted by Mr.Impreza

Wheels won't affect your insurance claim.

I'm not with TD anymore, but they are dumb shit about it... I asked them about winter and summer tires once, and they said that if I got summer wheels and tires, that would be a modification and not allowed.

[Skurj]

Originally Posted by Mr.Impreza

Wheels won't affect your insurance claim.

I was refused insurance by TD on my BRZ because I had 18" wheels on it.

[Skurj]

Originally Posted by Ben_G

Well......... not to be the pessimist, the note might be that if you file a claim, they will look closer at your car for mods, not that you have the green light. I'd be a bit careful...

Its about disclosure.. they can't dump me for non-disclosure if they knew about the value of the modifications and what they were.

[Lynxis]

Originally Posted by Skurj

Its about disclosure.. they can't dump me for non-disclosure if they knew about the value of the modifications and what they were.

TD is absolutely anal about modifications. Every other company I spoke to or e-mailed with said wheels were fine.

[Mr.Impreza]

Anyways, it's called a Lawyer.

They have no way to prove that you did the mods or that you even knew what was OEM and what wasn't.

For example,
http://www.autotrader.ca/a/Scion/FR-...orup=67_15_133

There is a good chance a buyer will buy that car thinking that's how it comes because they are buying it from a dealership and unless the dealership states so, they will just think it's some special edition/

Another case, you went to a mechanic to fix your exhaust. He put a "oem" exhaust but it turns out it wasn't OEM and you didn't know. So what? Automatically your a tuner and were supposed to know? Most people don't even know where to put in oil in a car, yet alone know what exhaust is oem and what one is not.

Many ways to fight this in court, where generally judges favor with the general public because they know insurance companies are never in the interest of paying there clients.

[wparsons]

Came across this on a friend's FB feed... there's a guy that can (and will) cover heavily modified cars for street use. You won't be dropped for track use either, you just aren't covered while on the track (like any insurance other than track day insurance).

Give Luc John a call at 905-977-1935, the friend that posted about it has an LS swapped Miata with a splitter, big wing, etc. Tell him you heard through Nikii Beis.