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Are your mods insurned? #152243 Apr 12, 10:06am Apr 12, 10:06am
Joined: Feb 2004
Posts: 824
Northern VA
GTQuentin OP
Senior Member
2000 Toyota Celica GT
GTQuentin OP
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2000 Toyota Celica GT

Joined: Feb 2004
Posts: 824
Northern VA
Are your mods insurned?
After putting my rims on I had to figure out if they were under insurance coverage. Turns out Gieco covers mods up to $1,000. After that you have to fill out a form and i guess your insuance goes up. W/the rims and exhaust i just past the 1,000 mark. But i think i wont tell them not yet.

So are your mods insurned? U know just incase your car gets striped or stole? I see a lot of heavly modded cars on here.

Re: Are your mods insurned? [Re: GTQuentin] #152244 Apr 12, 11:42am Apr 12, 11:42am
Joined: Aug 2003
Posts: 678
New York
2003 Absolutely Red Toyota Celica GT
celicatalbot
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celicatalbot
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New York
Well being that I work as a claims adjuster for Travelers, I have your answer.

Things that are permanantly insured on your car, in a fixed position (ie: rims, stereo head unit), are automatically covered. Just keep the reciept.

Things that are not permanantly installed (subs, amps) are not covered automatically and should be listed. And yes there would be additional premium for them. But very little. Definetely worth insuring everything!


My car might be slow, but at least it looks nice!
Re: Are your mods insurned? [Re: celicatalbot] #152245 Apr 12, 11:45am Apr 12, 11:45am

A
Anonymous
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Anonymous
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What if you have you amp screwed down?

Re: Are your mods insurned? [Re: celicatalbot] #152246 Apr 12, 11:46am Apr 12, 11:46am
Joined: Apr 2003
Posts: 4,658
Washington
Evan
Rebel
2003 Toyota Celica GT
Evan
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Originally Posted by celicatalbot

Things that are not permanantly installed (subs, amps) are not covered automatically and should be listed. And yes there would be additional premium for them. But very little. Definetely worth insuring everything!


spoken like a true insurance agent.. rofl


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Re: Are your mods insurned? [Re: GTQuentin] #152247 Apr 12, 11:47am Apr 12, 11:47am
Joined: Jul 2003
Posts: 2,043
Williamsport, PA
trog2233
ECelica Staff
2004 GMC Canyon Z-71
trog2233
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i pay an extra $15 a month for all my mods thumbsup

Re: Are your mods insurned? [Re: celicatalbot] #152248 Apr 12, 11:50am Apr 12, 11:50am
Joined: Oct 2003
Posts: 2,030
Orange County, Ca
RevMonster
Masta OC
2003 Toyota Celica
RevMonster
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Orange County, Ca
Originally Posted by celicatalbot
Well being that I work as a claims adjuster for Travelers, I have your answer.

Things that are permanantly insured on your car, in a fixed position (ie: rims, stereo head unit), are automatically covered. Just keep the reciept.

Things that are not permanantly installed (subs, amps) are not covered automatically and should be listed. And yes there would be additional premium for them. But very little. Definetely worth insuring everything!


thumbsup Exactly right.

BTW... the original poster doesn't need to worry about "not telling" the insurance company that the mods are over $1000. If they don't exceed the $1000 by much, it's not worth worrying about. They can't refuse to cover them just because you didn't inform them prior to a claim... they'll just cap the payout at the $1000 max if your mods exceeded that.


I'm just a crosshair
I'm just a shot away from you
Re: Are your mods insurned? [Re: GTQuentin] #152249 Apr 12, 11:54am Apr 12, 11:54am
Joined: Feb 2004
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Northern VA
GTQuentin OP
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GTQuentin OP
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Thats cool. I should just be over 1,000. Like at 1,100. But Im bout to put some tein springs on so that will up it to 1,300. I was just checking. Good info. smile

Re: Are your mods insurned? [Re: GTQuentin] #152250 Apr 12, 12:12pm Apr 12, 12:12pm
Joined: Jul 2003
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Pittsburgh, PA
Jamey
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Jamey
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Pittsburgh, PA
Wow i would be screwed if i only had $1000 coverage on my MODS. Man i might want to look into this. Anyone else with Nationwide insurance that might be able to shine alittle light on the subject for me???

Re: Are your mods insurned? [Re: Evan] #152251 Apr 12, 12:52pm Apr 12, 12:52pm
Joined: Jan 2004
Posts: 5,129
Philadelphia, PA
Sultan
Speed Omen
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Sultan
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Originally Posted by Evan
Originally Posted by celicatalbot

Things that are not permanantly installed (subs, amps) are not covered automatically and should be listed. And yes there would be additional premium for them. But very little. Definetely worth insuring everything!


spoken like a true insurance agent.. rofl


grin - I'll definitely be doing some adjustments after everything is installed on mine. Peace of ming is worth another $20 a month...

Re: Are your mods insurned? #152252 Apr 12, 3:12pm Apr 12, 3:12pm
Joined: Jun 2003
Posts: 2,863
St. George, UT
v3n0m
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v3n0m
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my agent just told me to save all my receipts

Re: Are your mods insurned? #152253 Apr 12, 4:59pm Apr 12, 4:59pm
Joined: Apr 2003
Posts: 4,658
Washington
Evan
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Evan
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Washington
Originally Posted by v3n0m
my agent just told me to save all my receipts


aren't pics also evidence of your mods?


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Re: Are your mods insurned? #152254 Apr 12, 5:50pm Apr 12, 5:50pm
Joined: Jan 2003
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Pennsylvania
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LostAngel
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Originally Posted by Evan
Originally Posted by v3n0m
my agent just told me to save all my receipts


aren't pics also evidence of your mods?

They might or might not be...you could easily take a pic of another car...same color and make as yours...say you had these rims...and they got stolen. Now maybe if you had something else in the photo...like your insurance agent tongue

Re: Are your mods insurned? #152255 Apr 12, 5:55pm Apr 12, 5:55pm
Joined: Aug 2003
Posts: 2,269
Seattle, WA
NorwayGT
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2004 Dodge SRT4
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none of my mods are insured


was....5speed with i/h/e
15.41 @ 89.30mph 2.282 60'

is....04 srt4 stock
13.936 100.15mph 2.177 60'
Re: Are your mods insurned? #152256 Apr 12, 6:58pm Apr 12, 6:58pm
Joined: Sep 2003
Posts: 825
Ft. Lauderdale, FL
hkysk8r86
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my friend has a full veilside body kit and Giovanna rims on his 350z and all of it is insured, as well as his engine internals and his full system, and all he pays is $35 extra a month, for over $25,000 worth of mods.

Re: Are your mods insurned? #152257 Apr 12, 7:04pm Apr 12, 7:04pm
Joined: Aug 2003
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New York
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celicatalbot
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[
Originally Posted by v3n0m


aren't pics also evidence of your mods?


Well in NY, it is mandated that you have a certified photo inspection done on a used or new vehicle, to show evidence of features, and exisiting damage if any. If on that photo, you indicate certain things that you have added, it can be used as additional evidence.

However, you just can't take a picture of you car at you house, and expect them to cover the items in the picture. Besides, that doesnt tell the insurance company what the item was worth, what make of the item and so forth so on. Reciepts are excellent, however, let it be known that if you have a custom paint job, you can expect it not covered unless you ask for it to be.


My car might be slow, but at least it looks nice!
Re: Are your mods insurned? #152258 Apr 12, 7:05pm Apr 12, 7:05pm
Joined: Aug 2003
Posts: 678
New York
2003 Absolutely Red Toyota Celica GT
celicatalbot
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New York
Why not call your insurance company and ask them?? What could it hurt?


My car might be slow, but at least it looks nice!
Re: Are your mods insurned? #152259 Apr 12, 7:14pm Apr 12, 7:14pm
Joined: Apr 2003
Posts: 4,658
Washington
Evan
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Evan
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Washington
Originally Posted by LostAngel
Originally Posted by Evan
Originally Posted by v3n0m
my agent just told me to save all my receipts


aren't pics also evidence of your mods?

They might or might not be...you could easily take a pic of another car...same color and make as yours...say you had these rims...and they got stolen. Now maybe if you had something else in the photo...like your insurance agent tongue


License Plate tongue


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