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Thread: Insurance company becoming more and more our worst enemy

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    Newbie ultimateM3's Avatar
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    Angry Insurance company becoming more and more our worst enemy

    As most of us knows that if the insurance company finds out the car has been modify with lowering suspension, your chance of having an insurance termination is like 99%. (like me, but i talk them out) But today I heard from my friend that his friend last week got his insurance termination just for having a tower bar install in his subaru. He try to talk the adjuster out of it, but no luck. Now he is with a different insurance co. with the same amount that he use to pay. I guess until his name shows up on the bad names list. Now even for a tower bar install can mess up our insurance, i personally think that is BULL SH-T.

    I can bet my life that tons of adjuster out there had their cars with some kind of mod in it and gets away with termination. Hopefully one of these days they can have a taste of their own medicine.

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    Member kid_icarus's Avatar
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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by ultimateM3 View Post
    As most of us knows that if the insurance company finds out the car has been modify with lowering suspension, your chance of having an insurance termination is like 99%. (like me, but i talk them out) But today I heard from my friend that his friend last week got his insurance termination just for having a tower bar install in his subaru. He try to talk the adjuster out of it, but no luck. Now he is with a different insurance co. with the same amount that he use to pay. I guess until his name shows up on the bad names list. Now even for a tower bar install can mess up our insurance, i personally think that is BULL SH-T.

    I can bet my life that tons of adjuster out there had their cars with some kind of mod in it and gets away with termination. Hopefully one of these days they can have a taste of their own medicine.
    not sure if you're allowed to say but can u name the insurance company that your friend used to be with?

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    Newbie ultimateM3's Avatar
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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by kid_icarus View Post
    not sure if you're allowed to say but can u name the insurance company that your friend used to be with?
    he is not my friend i dont know him. Is my friend's friend, so i wouldn't know which ins he had b4.

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    Default Re: Insurance company becoming more and more our worst enemy

    Yeah, when my Sentra was hit, the mobile adjuster who took photographs told me that my claims adjuster might mention something about the strut tower bar and how they may not insure me anymore. When I told him that the STB was stock as it is standard on the SE models, he seemed confused. Funny how they accuse people of modifying things that are stock...
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    Jr Member JiNuWiNe's Avatar
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    Default Re: Insurance company becoming more and more our worst enemy

    Do insurance company do random checks on your car? SAY if I have prokits installed, they would terminate my policy ? Or do they only check when you get into an accident?
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    Sr Member Wild Weasel's Avatar
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    Default Re: Insurance company becoming more and more our worst enemy

    Well it matters most when you get in a crash, right?

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    Default Re: Insurance company becoming more and more our worst enemy

    Last year my insruance was cancelled cause my truck was lowered...they wanted to put me in facilty ins.

    The funny thing is i bought my truck brand new in dec 1999...eactly 4 years later when my truck came off warrenty i lowered it 2" the broker at the time new i did it cause i just got that ins. As the truck got older and i had a far bit of money invested in it i got it appraied last summer..after i got it appraied the i took the papers to my ins...well the guy i used to deal with no longer worked their and i had to deal with another guy...i screwed my self by getting it appraied cause he started rambiling on that my truck was not safe for the road..etc and i got cancelled and he wanted to put me in facitly ins...i found new insrance and never told them about the truck be lowered i fiigure i take a lost then go throw that shit again. The funny thing is my bro intalled the lowering kit and he a is a deaisl mechanic..their was nothing unsafe about it.
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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by Wild Weasel View Post
    Well it matters most when you get in a crash, right?
    no it wouldn't just let them put the stock parts back on and you shouldn't have to worrie.....

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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by JiNuWiNe View Post
    Do insurance company do random checks on your car? SAY if I have prokits installed, they would terminate my policy ? Or do they only check when you get into an accident?
    they do not do random checks...and what ever you do to your car don't tell them anything

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    Sr Member Noisy Crow's Avatar
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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by aristeidis View Post
    no it wouldn't just let them put the stock parts back on and you shouldn't have to worrie.....
    Extremely difficult to do when your car is bent and mangled.
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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by Noisy Crow View Post
    Extremely difficult to do when your car is bent and mangled.
    not realy..let them put stock parts that are needed to put it back together..

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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by aristeidis View Post
    no it wouldn't just let them put the stock parts back on and you shouldn't have to worrie.....
    Works all fine and dandy if your car is drivable and you take it to there shop so they do not send out anyone to inspect it... but if it is mangled beyond driving, they will come out and look at it and then say... oh, you didnt tell us about these modifications. Sorry, we will not cover this and your insurance policy has been cancelled.

    You're on your own. Honestly, it's a big price to pay should something bad happen. Especially if you're deemed at fault... you are screwed.

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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by shootemup View Post
    Works all fine and dandy if your car is drivable and you take it to there shop so they do not send out anyone to inspect it... but if it is mangled beyond driving, they will come out and look at it and then say... oh, you didnt tell us about these modifications. Sorry, we will not cover this and your insurance policy has been cancelled.

    You're on your own. Honestly, it's a big price to pay should something bad happen. Especially if you're deemed at fault... you are screwed.
    first off when you get in to an accedent and you take it to the body shop the insurance ajuster goes to the body shop to check your car out....also leagly they have to fix your car...after that they can delete your insurance ..but before they do they legaly must pay all dameges on your car.

    If you don't beleaive me then call your insruance company and ask them

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    Sr Member Wild Weasel's Avatar
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    Default Re: Insurance company becoming more and more our worst enemy

    Actually... no they don't. By making material changes to your car and not telling them about it, you haven't held up your side of the insurance contract and they are NOT legally required to cover you. If the decide not to, you could be in for a costly legal battle to argue your case.

    Now... normally from what I've heard they will cover you and then drop you, but if they deem that the modifications had anything to do with the accident or that you were racing or something, then they'll put their backs up and you'll be in for a fight.

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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by aristeidis View Post
    first off when you get in to an accedent and you take it to the body shop the insurance ajuster goes to the body shop to check your car out....also leagly they have to fix your car...after that they can delete your insurance ..but before they do they legaly must pay all dameges on your car.

    If you don't beleaive me then call your insruance company and ask them
    I am not sure what you mean by "legally must pay all damages to your car".

    I don't believe that's the case; Legally, they must only provide you insurance; that insurance comes from an industry-managed group like Facility, or from an insurance company. If you do not tell them about modifications to your car, they can deny a claim, and since your contract stipulates you must tell them about any modifications to the vehicle, failing to do that constitutes breach of contract. At that point, whichever company you are with can drop you/move you to Facility, or if they choose not to drop you than can raise your premiums significantly as well.

    My understanding is that, regardless of who is at fault, not telling your insurance company about modifications is grounds for claim denial and/or cancellation.

    Check here for more info:

    http://www.torontomazda3.ca/forum/sh...ad.php?t=22812
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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by Wild Weasel View Post
    Actually... no they don't. By making material changes to your car and not telling them about it, you haven't held up your side of the insurance contract and they are NOT legally required to cover you. If the decide not to, you could be in for a costly legal battle to argue your case.

    Now... normally from what I've heard they will cover you and then drop you, but if they deem that the modifications had anything to do with the accident or that you were racing or something, then they'll put their backs up and you'll be in for a fight.
    This is pretty much what my insurance company told me in regards to performance enhancing modifications a few weeks ago...

    They did say cosmetic modifications are okay as long as the replacement part doesn't cost more than the stock part. If it does and you don't tell them, then they'll install the stock part in the event of a claim. Say for example you have $4000 rims and the stock rims are only $1000 and you choose not to inform them, they are only legally required to install the $1000 rims.

    They also told me that they'll deny the claim if they find out you are modified. Probably exaggerated this point to deter me from modifying, but what WW said sounds fair.

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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by aristeidis View Post
    first off when you get in to an accedent and you take it to the body shop the insurance ajuster goes to the body shop to check your car out....also leagly they have to fix your car...after that they can delete your insurance ..but before they do they legaly must pay all dameges on your car.

    If you don't beleaive me then call your insruance company and ask them
    you should just stop giving insurance "advice" because you don't know what you're talking about.
    Don't be an idiot, it's not an M3.

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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by aristeidis View Post
    first off when you get in to an accedent and you take it to the body shop the insurance ajuster goes to the body shop to check your car out....
    Negative... as stated in my previous post, if you take it to their preferred shop, they do not send out an adjuster as they have a good raport with their preferred shop and trust their repairs are legit. However, if you go to just any shop, then yes, they will send someone... but I specified preferred shop.


    Quote Originally Posted by aristeidis View Post
    also leagly they have to fix your car...after that they can delete your insurance ..but before they do they legaly must pay all dameges on your car.

    If you don't beleaive me then call your insruance company and ask them
    Negative again... in your insurance certificate (contract), it specifies that you are to notify your insurance company of ANY modifications to your vehicle immediately. Failure to do so is a direct violation of your end of the contract and they have the right to terminate your policy without refund and deny your claim. If this is the case, they DO NOT have to pay for anything relating to your claim, including the other parties involved. This makes you personally liable for the costs of repair and medical for all involved if you were deemed at fault. If you're not at fault, your insurance company still wont repair your car.

    With this said, if the modifcations are minor in nature and were not related to the collision, then MOST companies will honor the costs involved, but will still terminate your policy.

    Also, if they find that you have modified your car, or previous cars, they can ammend your contract to include annual inspections of your vehicle in order to be insured. You do not need that hassel.

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    Default Re: Insurance company becoming more and more our worst enemy

    but most likely they'll refund some/part of your premiums and tell you to suck a lemon.

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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by ShortBus View Post
    you should just stop giving insurance "advice" because you don't know what you're talking about.
    relax....and what makes you such a pro with insrance...

    And yes i do know what am talking about..i have had my insraunce cancelled for having a modifed truck....if the accident was not caused by the modifations they WILL cover you but after worlds they might cancel you...

    You don't need to take it so personal...Do you work for an insraunce comapny..cause if you do then i will keep my opion to my self but if you don't work for one what makes you know everything about this issue?
    Last edited by aris; 08-17-2008 at 10:29 AM.

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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by ShortBus View Post
    you should just stop giving insurance "advice" because you don't know what you're talking about.
    Quote Originally Posted by shootemup View Post
    Negative... as stated in my previous post, if you take it to their preferred shop, they do not send out an adjuster as they have a good raport with their preferred shop and trust their repairs are legit. However, if you go to just any shop, then yes, they will send someone... but I specified preferred shop.




    Negative again... in your insurance certificate (contract), it specifies that you are to notify your insurance company of ANY modifications to your vehicle immediately. Failure to do so is a direct violation of your end of the contract and they have the right to terminate your policy without refund and deny your claim. If this is the case, they DO NOT have to pay for anything relating to your claim, including the other parties involved. This makes you personally liable for the costs of repair and medical for all involved if you were deemed at fault. If you're not at fault, your insurance company still wont repair your car.

    With this said, if the modifcations are minor in nature and were not related to the collision, then MOST companies will honor the costs involved, but will still terminate your policy.

    Also, if they find that you have modified your car, or previous cars, they can ammend your contract to include annual inspections of your vehicle in order to be insured. You do not need that hassel.
    Yes their is an insrance adjust that goes to the body shop where your car is...in Blleville their is Hacket collison and their is an adjuster their always and car star has an adjuster their to!

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    Member JashiK's Avatar
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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by aristeidis View Post
    relax....and what makes you such a pro with insrance...

    And yes i do know what am talking about..i have had my insraunce cancelled for having a modifed truck....if the accident was not caused by the modifations they WILL cover you but after worlds they might cancel you...

    You don't need to take it so personal...Do you work for an insraunce comapny..cause if you do then i will keep my opion to my self but if you don't work for one what makes you know everything about this issue?
    No offense, but you shouldn't try to educate people, with misinformation.
    I say this only because I do work for a car insurance company and for any material changes they are not legally responsible to repair your car.

    If you keep your mouth shut and don't disclose mods and you get into an accident, you've agreed to a non-disclosure statement when applying for insurance. If they find you lied and didn't disclose info = termination of your policy.

    Doesn't matter if you have a F1 team install lowering springs on your car. The height of your vehicle must be within manufacturers specs or it = termination.

    It's up to you if you want to hide info, just know that if you're not lucky in the end the only person that screwed you is yourself.

    All that being said i'm not saying that it's fair or not, but it's just the way insurance works.
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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by JashiK View Post
    No offense, but you shouldn't try to educate people, with misinformation.
    I say this only because I do work for a car insurance company and for any material changes they are not legally responsible to repair your car.

    If you keep your mouth shut and don't disclose mods and you get into an accident, you've agreed to a non-disclosure statement when applying for insurance. If they find you lied and didn't disclose info = termination of your policy.

    Doesn't matter if you have a F1 team install lowering springs on your car. The height of your vehicle must be within manufacturers specs or it = termination.

    It's up to you if you want to hide info, just know that if you're not lucky in the end the only person that screwed you is yourself.

    All that being said i'm not saying that it's fair or not, but it's just the way insurance works.
    They would be legaly responsible to replace oem parts right? Which this what i have been saying from the beging...i have been in this situation with my truck..when i got new insraunce the new broker told me that they are not going to mentin anything about the truck been lowered...

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    Sr Member Dave_The_BMXER's Avatar
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    Default Re: Insurance company becoming more and more our worst enemy

    What if I purchased my vehicle with mods, but was not asked if there were any modifications done to the car when I insured it?

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    Default Re: Insurance company becoming more and more our worst enemy

    Quote Originally Posted by aristeidis View Post
    They would be legaly responsible to replace oem parts right? Which this what i have been saying from the beging...i have been in this situation with my truck..when i got new insraunce the new broker told me that they are not going to mentin anything about the truck been lowered...
    no they don't, you replaced the parts without telling them so you voided the argreement, they don't have to replace anything.

    Quote Originally Posted by Dave_The_BMXER View Post
    What if I purchased my vehicle with mods, but was not asked if there were any modifications done to the car when I insured it?
    you can either list them over the phone and they'll either say yay or nay (most likely anything that changes how the car drives they'll just tell you to look elsewhere) if they decided to insure you they will probably send someone to look over the car.

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