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Joined: Feb 2004
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GTQuentin
Senior Member
GTQuentin

Senior Member
2000 Toyota Celica GT

Joined: Feb 2004
Posts: 824
Northern VA
Apr 12, 11:06am - #152243 
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.

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Posts: 678
celicatalbot
Senior Member
celicatalbot
2003 Absolutely Red Toyota Celica GT
Senior Member
2003 Toyota Celica GT

Joined: Aug 2003
Posts: 678
New York
Apr 12, 12:42pm - #152244 
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!

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Apr 12, 12:45pm - #152245 
What if you have you amp screwed down?

Joined: Apr 2003
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Evan
Rebel
Evan

Rebel
2003 Toyota Celica GT

Joined: Apr 2003
Posts: 4,658
Washington
Apr 12, 12:46pm - #152246 
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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trog2233
ECelica Staff
trog2233

ECelica Staff
2004 GMC Canyon Z-71

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Posts: 2,043
Williamsport, PA
Apr 12, 12:47pm - #152247 
i pay an extra $15 a month for all my mods thumbsup

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Posts: 2,030
RevMonster
Masta OC
RevMonster

Masta OC
2003 Toyota Celica

Joined: Oct 2003
Posts: 2,030
Orange County, Ca
Apr 12, 12:50pm - #152248 
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.


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Joined: Feb 2004
Posts: 824
GTQuentin
Senior Member
GTQuentin

Senior Member
2000 Toyota Celica GT

Joined: Feb 2004
Posts: 824
Northern VA
Apr 12, 12:54pm - #152249 
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

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Jamey
Sara Sucks :P
Jamey

Sara Sucks :P

Joined: Jul 2003
Posts: 669
Pittsburgh, PA
Apr 12, 1:12pm - #152250 
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???

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Sultan
Speed Omen
Sultan

Speed Omen
2002 Toyota Celica GT

Joined: Jan 2004
Posts: 5,129
Philadelphia, PA
Apr 12, 1:52pm - #152251 
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...

Joined: Jun 2003
Posts: 2,863
v3n0m
Specialist
v3n0m

Specialist
2001 Toyota Celica GT

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Posts: 2,863
St. George, UT
Apr 12, 4:12pm - #152252 
my agent just told me to save all my receipts

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Evan
Rebel
Evan

Rebel
2003 Toyota Celica GT

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Posts: 4,658
Washington
Apr 12, 5:59pm - #152253 
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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LostAngel
Specialist
LostAngel
Specialist

Joined: Jan 2003
Posts: 1,619
Pennsylvania
Apr 12, 6:50pm - #152254 
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

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Posts: 2,269
NorwayGT
Specialist
NorwayGT

Specialist
2004 Dodge SRT4

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Posts: 2,269
Seattle, WA
Apr 12, 6:55pm - #152255 
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'
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Posts: 825
hkysk8r86
Senior Member
hkysk8r86

Senior Member
2000 Toyota Celica GT

Joined: Sep 2003
Posts: 825
Ft. Lauderdale, FL
Apr 12, 7:58pm - #152256 
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.

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Posts: 678
celicatalbot
Senior Member
celicatalbot
2003 Absolutely Red Toyota Celica GT
Senior Member
2003 Toyota Celica GT

Joined: Aug 2003
Posts: 678
New York
Apr 12, 8:04pm - #152257 
[
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!
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celicatalbot
Senior Member
celicatalbot
2003 Absolutely Red Toyota Celica GT
Senior Member
2003 Toyota Celica GT

Joined: Aug 2003
Posts: 678
New York
Apr 12, 8:05pm - #152258 
Why not call your insurance company and ask them?? What could it hurt?


My car might be slow, but at least it looks nice!
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Evan
Rebel
Evan

Rebel
2003 Toyota Celica GT

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Posts: 4,658
Washington
Apr 12, 8:14pm - #152259 
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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