Originally Posted by
JHM2K
I would avoid specifics on the extra $4,000 coverage for a turbo, as they associate turbo with speed and speed = danger... and danger is baaaad, mmmmkay?
That is why I wouldnt want to tell them. lol. If the hampster upstairs runs at all they will be asking questions, those questions will probably result in a premium I wouldnt want to pay. I will probably talk to them and see what they offer for a premium but I could see them making a big deal out of it.
Originally Posted by
BoilerUpXFire
I agree with Jon's thoughts above, but make sure with your insurance company, as well as your agent, that you are covered. My agent swore to me the car was 100% covered, including my mods, and when something happened, the INS company told me my mods were not covered, and I was SOL. I ended up suing my agent, and won, but I didn't recoop everything, and it took me over 6 months to get any sort of compensation.
Make sure you document everything including parts purchasing, and have it all covered, or else they will screw you in any way they are able. Thenturn around and sell your aftermarket parts and make sure they make as much money off you as possible.
When my integra was totalled (no where near as bad as your accident) they said they would cover a percentage of the mod cost and it was so low a percentage that it wasnt even worth it.
Given all you put into that thing I would have been pissed, especially going through all that trouble to collect what should have been automatic.
Originally Posted by
JHM2K
$4K is actually quite low. I have $600 in my steering wheel alone (MSRP 1,200 Euro). Interior enhancements and other aesthetics won't affect the safety of the vehicle and that's their main concern. Receipts of purchases help your case. But if you come right out and tell them "Yes, I'm adding a $4,000 part that gives a major bump in power", that will certainly make them wonder. Your results may vary.
When in doubt, be honest. Or you can roll the dice, say nothing, and hope an SUV doesn't pull out in front of you. Your call.
I completely understand on the aesthetics.
My thing is, do I want to pay a ton more a year (extra coverage + increase in power/danger) to have a percentage I paid covered? Or not pay extra and roll the dice for a couple years.... I think it would at least be worth it to kick it over with them.