Insurance Companies

[3kgt8]

Do insurance companies charge more if you modify your car? is there any way for them to know if your car is modified?

[sLADe781]

Well, my friend had liability only at first and he did a bunch of modifications: exterior, engine, and interior. After everything was done he tried to get full coverage for everything but the insurance company wouldn't cover him.

But there was this guy who was on the board that said something about getting rims insured for about $7 more or something so I'm thinking that on some modifications you probably could get insured on and on some you can't. Also, every insurance company might be different too....

[youngvr4]

yeah and a lot of things you put on your car is illegal beleive it or not.

i just don't tell them

[Gateway]

being an insurance agent, I'll shed some light on it.

1) yes modifications can be covered in your vehicle (to an extent)
-- each insurance company is different. some allow more than others. too many modifications = insurance company not covering the stuff

2) most popular "modification" that people insure on their vehicle is tinted windows and rims. it barely causes an increase to your insurance and worth it if something happens to them.

3) Not telling your insurance company is bad. Why? It states in your contract that you must give the full truth when it comes to everything (driving record, modifications, etc). Either not telling them, or lying to them means that if you ever have a claim at all, they will deny the claim, and you are shit out of luck.

Please trust me on this.....it is better to tell them first rather than them find out later. You probably will have to pay a few dollars more on your insurance, or you might have to find another insurance company to insure you, but if they deny your claim you have to pay everything yourself. That includes the other person's medical/property damage claim as well, and that could easily be in the multi thousands of dollars.

[kenwood guy]

Originally Posted by Gateway

3) Not telling your insurance company is bad. Why? It states in your contract that you must give the full truth when it comes to everything (driving record, modifications, etc). Either not telling them, or lying to them means that if you ever have a claim at all, they will deny the claim, and you are shit out of luck.
.

yea but how will they find out??

[Gateway]

if you ever get into an accident...they come to look at the damages. they inspect the whole car.