Reporting performance mods to insurance... - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Fartsicle · 04-19-2015, 10:10 PM

TOPIC

Have any of you done this? From what I understand you won't be covered for the parts you purchased (turbos, exhaust, etc) obviously. But got forbid someone gets hurt, are they able to just drop you since your "misrepresenting" your vehicle?

Have any of you had any experience one way or another, or do you go by the "don't ask don't tell policy"?

Vincenttam · 04-19-2015, 11:23 PM

Please rephrase, not sure what you're asking oO.

tyrantcf · 04-19-2015, 11:30 PM

I wouldn't worry about it unless you're removing/replacing seats, airbags, seat belts etc.

FirestormFRS · 04-20-2015, 07:14 AM

Pro tip. Don't hit stuff with your car.

HotLavaFRS · 04-20-2015, 10:48 AM

I have the body panels I put on my Mustang covered on my insurance, just had to tell them what body parts I put on and they took pictures of the car. Didn't change my rates at all. They don't cover things like power adders and suspension since they're wear items, at least mine wouldn't.

tennisfreak · 04-20-2015, 11:09 AM

I never told progressive about the mods I did to my Tacoma.

When my wife totaled it they gave me fair market value for every mod.

mav1178 · 04-20-2015, 12:08 PM

Short answer: varies by insurance company.

Long answer: if your policy doesn't cover modifications, you could lose out on coverage. AAA is this way.

-alex

BRZZZZZZZZZZ · 04-20-2015, 07:43 PM

I have notified my insurance company of the mods on my car, it didn't change the premium much but now I know they won't try to void it and they may cover some of the mods in the case of a loss.

shellslinger · 04-20-2015, 10:08 PM

Just read your policy, some insurance companies allow for aftermarket mods without even seeing the mods.

Zhangy · 04-21-2015, 01:06 AM

Add turbo tell me the whp gain and insurance gain plz

TheAsianRacer · 04-21-2015, 02:43 AM

depends on your insurance, if you modify your vehicle and feel the mod is worth getting money back should you crash, let them know about it so they can add that to your policy. Otherwise, mod on but know that some insurance policies only cover up to stock parts.

04-19-2015, 10:10 PM	#1
Fartsicle Member Join Date: Apr 2015 Drives: Fr-s trd Location: Usa Posts: 30 Thanks: 1 Thanked 7 Times in 4 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Reporting performance mods to insurance... TOPIC Have any of you done this? From what I understand you won't be covered for the parts you purchased (turbos, exhaust, etc) obviously. But got forbid someone gets hurt, are they able to just drop you since your "misrepresenting" your vehicle? Have any of you had any experience one way or another, or do you go by the "don't ask don't tell policy"?

04-19-2015, 11:30 PM	#3
tyrantcf Senior Member Join Date: Apr 2014 Drives: '16 WRX, CBR1000RR Location: Bakersfield, CA Posts: 560 Thanks: 422 Thanked 369 Times in 213 Posts Mentioned: 18 Post(s) Tagged: 1 Thread(s)	I wouldn't worry about it unless you're removing/replacing seats, airbags, seat belts etc. __________________ Phantom ESC'd Build Thread (Retired):http://www.ft86club.com/forums/showthread.php?t=75293

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04-19-2015, 11:23 PM	#2
Vincenttam WtsTofu Join Date: Sep 2013 Drives: Ultramarine fr-s Location: Los Angeles? Posts: 1,348 Thanks: 368 Thanked 575 Times in 336 Posts Mentioned: 19 Post(s) Tagged: 0 Thread(s)	Please rephrase, not sure what you're asking oO.

04-20-2015, 07:14 AM	#4
FirestormFRS Senior Member Join Date: Jul 2012 Drives: 2013 FR-S Location: Anytown Posts: 920 Thanks: 73 Thanked 643 Times in 302 Posts Mentioned: 3 Post(s) Tagged: 0 Thread(s)	Pro tip. Don't hit stuff with your car.

04-20-2015, 12:08 PM	#7
mav1178 Senior Member Join Date: Apr 2013 Drives: 2005 Toyota Camry Location: 91745 Posts: 6,562 Thanks: 493 Thanked 6,093 Times in 3,029 Posts Mentioned: 95 Post(s) Tagged: 3 Thread(s)	Short answer: varies by insurance company. Long answer: if your policy doesn't cover modifications, you could lose out on coverage. AAA is this way. -alex

04-20-2015, 07:43 PM	#8
BRZZZZZZZZZZ Car Nut Join Date: Dec 2013 Drives: BMW 335d, Toyota Echo RS, FRS Location: Calgary Posts: 1,557 Thanks: 368 Thanked 603 Times in 346 Posts Mentioned: 12 Post(s) Tagged: 2 Thread(s)	I have notified my insurance company of the mods on my car, it didn't change the premium much but now I know they won't try to void it and they may cover some of the mods in the case of a loss.

04-20-2015, 10:08 PM	#9
shellslinger Senior Member Join Date: Apr 2013 Drives: Whiteout FRS Location: DFW, TX Posts: 597 Thanks: 210 Thanked 309 Times in 186 Posts Mentioned: 5 Post(s) Tagged: 2 Thread(s)	Just read your policy, some insurance companies allow for aftermarket mods without even seeing the mods.

04-21-2015, 01:06 AM	#10
Zhangy Senior Member Join Date: Oct 2014 Drives: 2015 FRS Location: Toronto Posts: 361 Thanks: 14 Thanked 106 Times in 83 Posts Mentioned: 5 Post(s) Tagged: 0 Thread(s)	Add turbo tell me the whp gain and insurance gain plz

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