stupid insurance

hey do you believe this, my girlfriends 97 spyder was a victim of the recent heavy rain which resulted in a 3 foot flood. she was driving and went right into the flood her car stalled....yada yada, anyways she went through insurance and they said they wont cover her because the car was lowered....it has been modified.....they say. i almost lost it,

what the hell i pay 230 a month and am not even covered either for my eclipse so if i get into a crash and hurt 20 people well all 20 people will go after me personally not my insurance.........this is stupid!!! i think i will just drive around without insurance....

thats shit do you guys know this??? i duuno if it is the same for you guys or not but for us up in Edmonton AB Canada it is.....its gay!!!

yea if you lower your car you need to go back to the insurance company and tell them so they can change your coverage. It sucks but true. she should have hurroed and reraised it b4 she claimed it.

Damn that sucks. My car is not lowered, but does that apply to modes to the engine? Or just lowering?

that sounds a little shady. i dont know why the insurance company would deny a claim becasue of the cosmetics of the car. especally if it haddent caused the problem for the claim. if the accident occured becasue of its current condition, i would sertanly understand their progative, but that is blatently disshonest. i wouldn't let that go! i'd get a copy of their claims report and read the articals that prevent the filed claim from being approved. now if they wont cover only the aftermarket parts, thats a diffrent story, i could understand that.

well the car was "lowerd" and she went into water and flooded it, the insurance is saying that if she hadnt lowerd it, that it may not have happend.

Oh, ok thanks for clarifying.

Ouch they might have you there...

That really sucks... Did it seize the engine?

well thats kind of saying if i leave my car unlocked and they jack it my insurance wont cover it because i left it unlocked and i wouldnt get shit. It kind of makes no sense. why would u have insurance then?

why are you mad at the insurance company?
was it not your girl that decided to drive through 3 feet of water?
insurance can only deny coverage if the modification was a direct cause of the damage. in this case, it's most definitely a possibility. but in 3 feet of water, lowered or not, it's gonna soak the car.

yeah well they didn't say that due to the fact that the car was lowered it was the cause that the car flooded. they said that decause a modification was made and the were not informed that is our fault and due to that they void our coverage! bull shit i think.....

it's stupid when you hand them their money they are your best friend but when you need the money they couldn't give two shits about you! and find anyway out of paying you....

yes the engine is seized because when it happened we called the insurance and filed a claim and we asked that if we pour oil or coolant in the cylinders would that be okay just so thw water wont rust it out.... they said no what ever damage is caused to the car they will cover.....now they aren't covering it....... fucking stupid!!!


they also said that what ever results from this claim that we are no longer going to be covered through them any more......i'm going to take my chances with the cops and no insurance....who knows maybe i will be on cops, one of those high speed chases....hehehe :iceslolan

well thats kind of saying if i leave my car unlocked and they jack it my insurance wont cover it because i left it unlocked and i wouldnt get shit. It kind of makes no sense. why would u have insurance then?


yeah i also heard that if you and your spouse break up and she has a key to your car and steals it you can't do anything either.......WTF no sense! is this true????

i would contact leagal representation, and spend $50 to see if their just trying to get out of paying the $. insurance companys do it all the time! i fucking cant stand insurance comanys

dude he wont win, they are not going to pay. the car was loward and they think that the fact that it was caused the flooding, She shouldnt have drove in 3FEET OF WATER anyway wtf was she thinking. lol sorry to hear about that dude but how bad is it, is the motor vapor locked or what. did it get in the car.

no doubt she's a moron for driving into 3 feet of water. but thats what insurance is for. if their policy has flood insurance, and, or, it can be proven (oviously) that the hight on the car had nothing to do with the casue of damage in vapor lock, they have somthing. i've had personal experience with this kind of shit insurance companys do to get out of crap, they look for anything that they can to get out of things, thats why its so fucking hard to get $ out of them when you get hurt in a wreck. i really think they should contact legal representation to go over their insurance policy, and see if their just being fucks. thats just what i would do. its not right.

this is all true. im in calgary it happned to me because of the intake. damn allstate.

How much was the car lowered? If was only a few inches then you should be able to fight it saying that those inches would not have maken a difference. Now if you had a CAI and they say it was because of the CAI you hydrolocked then I think your fucked.

My car wasn't lowered, although I had my short ram intake installed. Even with the factory air box it would of flooded. Whatever, I just swapped a newer 420a so its all good. Insurance did shit.

Now im with statefarm, paying about 50% less insurance and they cover everything. Even mods. All I have to do is give them a quote on all the parts :D

Screw allstate, I was paying like 4 grand a year for a damn RS!! No coverage on any of my stuff and I have a spot free record!! No tickets nothing!

My car wasn't lowered, although I had my short ram intake installed. Even with the factory air box it would of flooded. Whatever, I just swapped a newer 420a so its all good. Insurance did shit.

Now im with statefarm, paying about 50% less insurance and they cover everything. Even mods. All I have to do is give them a quote on all the parts :D

Screw allstate, I was paying like 4 grand a year for a damn RS!! No coverage on any of my stuff and I have a spot free record!! No tickets nothing!

do you give a quote when you do the mod or just if your in a accident and the mod breaks?

Heres what I do:

When I install something, I show them the reciept, they put it on record and add the value to the car. When I get into an accident, its there and they will credit me for the loss.

cool i was just asking cuz my parents have state farm and im on their policy so....

state farm has been awesome with me. i only pay 100 bucks a month under my parents. they have covered everything on my car no matter what. you can't beat that. one of the adjusters for state farm was telling me that when thier looking at a car they are supposed to look at it as if it was thier own vehicle instead of being total pricks. thas why state farm tends to be a lil bit more leaniant towards mods and covering everything.

and sorry to here about the car but a 2 INCH HEIGHT DIFFERENCE ins't going to make a significant difference against 3 FEET OF WATER. i could see were if its a cai it would cause a 2 inch puddle given the right conditions would hydrolock you engine. but a car being lower shouldn't make a difference and the insurance should still be held responsible for payment whether they continue to cover you in the future or not. look if they wouldn't cover his car because it was lowered and essentially his insurance was void. if his insurance was void then the insurance company was rap'in him out of i think it was 230 a month, which is pretty much fraud. i'd be out of control if my insurance told me that because me car was lowered my insurance was void and that i was still payin for it . oh hell no i'd be gettin a refund on that shit from the date i lowered my car .

there i had to vent

but best of luck with whatever happens

Just for the record i'm sure like anyone else who values their car wouldn't drive full throttle into a puddle 3 feet deep, it was 11:00 at night and was raining very hard therefore making it hard to judge just how deep the puddle was. it's not a matter of how stupid a person is for doing it if they don't know what the puddles depth is, it would be stupid if they did know and drove through it anyways......


the insurance company did cover the car and was written off, she paid $12,000 for it and we got $18,500 for it..... we got to keep all the aftermarket stuff from it like the wheels, strut bars, stereo and much more... we lucked out because they said they never got a puicture before when we first got the insurance for it. fuck are we lucky but what does that mean for my car????

i added a turbo to my rs, i lowered my car, full body kit, and much more. do you think i should go and tell the insurance company about my car and all it's mods or play stupid when or if an event should occur???

no doubt she's a moron for driving into 3 feet of water. but thats what insurance is for. if their policy has flood insurance, and, or, it can be proven (oviously) that the hight on the car had nothing to do with the casue of damage in vapor lock, they have somthing. i've had personal experience with this kind of shit insurance companys do to get out of crap, they look for anything that they can to get out of things, thats why its so fucking hard to get $ out of them when you get hurt in a wreck. i really think they should contact legal representation to go over their insurance policy, and see if their just being fucks. thats just what i would do. its not right.

yeah what i wrote above was in regards to this message....