Insurance and mods

Infidel · 05-17-2013, 03:56 PM

For the people who have several thousand in mods how do you cover your loses in a serious wreck or theft. Will the insurance companies cover mods if you have receipts or do you have to have extra coverage?

Who here garages there modded Z's and who doesn't? Those who don't how do you deal with leaving it outside unattended while you sleep?

kenchan · 05-17-2013, 04:02 PM

no idea if my bits are covered under insurance...i kept my receipts and all. but honestly, i dont really care.

my z is garaged.

DEpointfive0 · 05-17-2013, 04:11 PM

Insurance won't cover 99% of your mods.
State Farm SAYS they pay up to $1500 worth of mods... What they don't tell you is that the mods need to add value. Which no mods really do.

You can talk to them to cover your mods, but the cost usually outweighs the coverage

red2010z · 05-17-2013, 04:16 PM

Now when you say mods

Would a aftermarket radio, speakers, subs count as mod's?

kenchan · 05-17-2013, 04:25 PM

i guess so. insurance will pay to replace your factory stereo which could cost more than your aftermarket HU.

Fishey · 05-17-2013, 05:52 PM

If you have alot invested in a car you get agreed value insurance.. Its that simple.

Amuse370z · 05-17-2013, 06:45 PM

IIRC one member got his sport wheel stolen, the insurance company gave the guy $6000 back.

DEpointfive0 · 05-17-2013, 06:47 PM

Quote:

Originally Posted by Amuse370z

IIRC one member got his sport wheel stolen, the insurance company gave the guy $6000 back.

Maybe $4500 with the tires? (Sport wheels are $750/each) and regular insurance covers that.

olddudesrule · 05-17-2013, 07:13 PM

Quote:

Originally Posted by Fishey

If you have alot invested in a car you get agreed value insurance.. Its that simple.

Agree with this. I've had agreed value policies on cars like an older Viper and an FFR Cobra, but I don't think I would do it with the Z. Keep all your receipts, and talk to your agent 'before" you become a victim....

05-17-2013, 03:56 PM	#1 (permalink)
Infidel Enthusiast Member Join Date: Mar 2013 Location: Central Florida Posts: 457 Drives: 2013 GM 6MT Rep Power: 14	Insurance and mods For the people who have several thousand in mods how do you cover your loses in a serious wreck or theft. Will the insurance companies cover mods if you have receipts or do you have to have extra coverage? Who here garages there modded Z's and who doesn't? Those who don't how do you deal with leaving it outside unattended while you sleep?

05-17-2013, 04:11 PM	#3 (permalink)
DEpointfive0 Premium Member Bitches Join Date: Jan 2012 Location: SoCal Posts: 14,824 Drives: a lot Rep Power: 17151	Insurance won't cover 99% of your mods. State Farm SAYS they pay up to $1500 worth of mods... What they don't tell you is that the mods need to add value. Which no mods really do. You can talk to them to cover your mods, but the cost usually outweighs the coverage __________________ Do YOU want to know what/where I got my username from? ( Click to show/hide ) NSFW due to language:

05-17-2013, 04:16 PM	#4 (permalink)
red2010z Track Member Join Date: Apr 2013 Location: Texas/North Carolina Age: 38 Posts: 587 Drives: '10 Red B/S/M Rep Power: 12	Now when you say mods Would a aftermarket radio, speakers, subs count as mod's? __________________ AGENCY K&N SWIFT CSF EVO-R VOSSEN MICHELIN Z1 JVC ZENCLOSURE JLW3 JVC

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05-17-2013, 04:02 PM	#2 (permalink)
kenchan A True Z Fanatic Join Date: Aug 2009 Location: N/A Posts: 76,801 Drives: N/A Rep Power: 141520	no idea if my bits are covered under insurance...i kept my receipts and all. but honestly, i dont really care. my z is garaged.

05-17-2013, 04:25 PM	#5 (permalink)
kenchan A True Z Fanatic Join Date: Aug 2009 Location: N/A Posts: 76,801 Drives: N/A Rep Power: 141520	i guess so. insurance will pay to replace your factory stereo which could cost more than your aftermarket HU.

05-17-2013, 05:52 PM	#6 (permalink)
Fishey Base Member Join Date: Sep 2012 Location: Lebanon Posts: 159 Drives: Volvo T5-R Rep Power: 12	If you have alot invested in a car you get agreed value insurance.. Its that simple.

05-17-2013, 06:45 PM	#7 (permalink)
Amuse370z A True Z Fanatic Join Date: Jan 2011 Location: Toronto Posts: 1,170 Drives: '13 PW Fairlady Z Rep Power: 16	IIRC one member got his sport wheel stolen, the insurance company gave the guy $6000 back.