Does anyone with FI tell their insurance?

phunk · 02-26-2014, 06:33 PM

State Farm didn't care at all. It was a while ago so I cannot remember exactly, but I told them I wanted something like 10-15g extra coverage for aftermarket stuff on the car, and either it didn't effect the rate or it was so minor I forgot about it. They just said something about making sure to have photos and invoices to prove what was on the car. They were completely "ok whatever" about it. Although, I did not and would not mention anything about racing or track use!

You have to figure that the money you have in mods is pretty minor situation for them compared to the medical bills they have to pay when people get hurt. I dont get the impression that the details of the car matter a whole lot to them.

TerribleONE · 02-26-2014, 06:37 PM

Quote:

Originally Posted by phunk

State Farm didn't care at all. It was a while ago so I cannot remember exactly, but I told them I wanted something like 10-15g extra coverage for aftermarket stuff on the car, and either it didn't effect the rate or it was so minor I forgot about it. They just said something about making sure to have photos and invoices to prove what was on the car. They were completely "ok whatever" about it. Although, I did not and would not mention anything about racing or track use!

You have to figure that the money you have in mods is pretty minor situation for them compared to the medical bills they have to pay when people get hurt. I dont get the impression that the details of the car matter a whole lot to them.

Good to know! I will have to call my agent. Iv just always been told it's a waste of time

phunk · 02-26-2014, 06:38 PM

Quote:

Originally Posted by TerribleONE

Good to know! I will have to call my agent. Iv just always been told it's a waste of time

Do what I did, and at first be anonymous when you call to feel out their reaction. It could differ per agent. I asked the questions before I answered any.

JWillis72 · 02-26-2014, 07:18 PM

Quote:

Originally Posted by phunk

State Farm didn't care at all. It was a while ago so I cannot remember exactly, but I told them I wanted something like 10-15g extra coverage for aftermarket stuff on the car, and either it didn't effect the rate or it was so minor I forgot about it. They just said something about making sure to have photos and invoices to prove what was on the car. They were completely "ok whatever" about it. Although, I did not and would not mention anything about racing or track use!

You have to figure that the money you have in mods is pretty minor situation for them compared to the medical bills they have to pay when people get hurt. I dont get the impression that the details of the car matter a whole lot to them.

Thats what I was looking for, been with State Farm forever. Thank you!

Rangerz · 03-03-2014, 05:20 AM

Quote:

Originally Posted by phunk

State Farm didn't care at all. It was a while ago so I cannot remember exactly, but I told them I wanted something like 10-15g extra coverage for aftermarket stuff on the car, and either it didn't effect the rate or it was so minor I forgot about it. They just said something about making sure to have photos and invoices to prove what was on the car. They were completely "ok whatever" about it. Although, I did not and would not mention anything about racing or track use!

You have to figure that the money you have in mods is pretty minor situation for them compared to the medical bills they have to pay when people get hurt. I dont get the impression that the details of the car matter a whole lot to them.

Another +1 for state farm. As long as it is not wheel to wheel racing my agent didn't havea issue with is at all. HPDE stuff is what I asked about.

02-26-2014, 06:33 PM	#1 (permalink)
phunk A True Z Fanatic Join Date: Mar 2009 Location: Chicago Posts: 3,669 Drives: 370 Rep Power: 974725	State Farm didn't care at all. It was a while ago so I cannot remember exactly, but I told them I wanted something like 10-15g extra coverage for aftermarket stuff on the car, and either it didn't effect the rate or it was so minor I forgot about it. They just said something about making sure to have photos and invoices to prove what was on the car. They were completely "ok whatever" about it. Although, I did not and would not mention anything about racing or track use! You have to figure that the money you have in mods is pretty minor situation for them compared to the medical bills they have to pay when people get hurt. I dont get the impression that the details of the car matter a whole lot to them. __________________ Charles @ CJ Motorsports : Website \| Facebook \| Instagram \| YouTube Home of the 9 second, stock longblock, stock drivetrain 6MT 370z. 9.91 @ 142mph Last edited by phunk; 02-26-2014 at 06:35 PM.

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