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Joined: Jan 2005
Posts: 17
mattt
Member
mattt
2002 Spectra Blue Toyota Celica
Member
2002 Toyota Celica

Joined: Jan 2005
Posts: 17
Huntington,WV
Jan 11, 8:34pm - #371765 
insurance question

i was starting to save up to buy a turbo and my dad told me i can't get one because innsurance won't covoer it...is that true confused

Joined: May 2003
Posts: 5,346
spaztikid
dikitzaps
spaztikid
dikitzaps
1974 Toyota Celica

Joined: May 2003
Posts: 5,346
LA
Jan 11, 9:08pm - #371766 
yes

Joined: Oct 2002
Posts: 1,233
EuRoBoYGT
black & blue 4 you
EuRoBoYGT

black & blue 4 you
2000 Toyota Celica GT

Joined: Oct 2002
Posts: 1,233
El Paso, TX
Jan 11, 9:17pm - #371767 
just don't tell the you have a turbo thumbsup


[Linked Image]
i've been changing but you'll never see me now
now i'm blaming you for everything
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Posts: 3,748
hombredelassrtas
CF Connoisseur
hombredelassrtas

CF Connoisseur
2004 Toyota Celica

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Posts: 3,748
Gainesville, FL
Jan 11, 9:51pm - #371768 
lol they will never know wink

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Posts: 1,251
silver
Specialist
silver
2000 Silver Toyota Celica GT
Specialist
2000 Toyota Celica GT

Joined: Aug 2003
Posts: 1,251
California
Jan 11, 9:55pm - #371769 
Until you get into an accident, they determine that the cause of the crash was the improperly installed aftermarktet turbocharger, and then deny your claim.

So they will never know until you really need them and they want to inspect your car.


All theoretical of course.

Joined: May 2003
Posts: 5,346
spaztikid
dikitzaps
spaztikid
dikitzaps
1974 Toyota Celica

Joined: May 2003
Posts: 5,346
LA
Jan 11, 10:00pm - #371770 
no you damn fools...

his dad doest want him to spend 5k and then get into a front end collision, that is his fault... then the insurance not pay for the repair of the turbo on top of the regular repairs...

Joined: Aug 2004
Posts: 317
eclipseturbogsx
Member
eclipseturbogsx

Member
2001 Toyota Celica GT

Joined: Aug 2004
Posts: 317
North Carolina
Jan 11, 11:00pm - #371771 
Originally Posted by spaztikid
no you damn fools...

his dad doest want him to spend 5k and then get into a front end collision, that is his fault... then the insurance not pay for the repair of the turbo on top of the regular repairs...


haha..damn...

Joined: Jan 2005
Posts: 17
mattt
Member
mattt
2002 Spectra Blue Toyota Celica
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2002 Toyota Celica

Joined: Jan 2005
Posts: 17
Huntington,WV
Jan 12, 10:54am - #371772 
Originally Posted by spaztikid
no you damn fools...

his dad doest want him to spend 5k and then get into a front end collision, that is his fault... then the insurance not pay for the repair of the turbo on top of the regular repairs...




exactly what i was thinking...so they would still give me insurance if i had one but not pay for it if i got in a collision that was my fault?

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Posts: 1,337
celicadragon
Specialist
celicadragon

Specialist
2002 Toyota Celica

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Posts: 1,337
Pittsburgh, PA
Jan 12, 11:14am - #371773 
they will still pay for the collision but not for the turbo so you know


respect the gt-s
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Posts: 2,677
RicePowered
ECelica Staff
RicePowered
ECelica Staff

Joined: Oct 2002
Posts: 2,677
South Jersey
Jan 12, 11:33am - #371774 
^^ not techinically ... they could still deny his claim

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Posts: 1,547
sbocaj55
Specialist
sbocaj55

Specialist
2000 Toyota Celica

Joined: Aug 2004
Posts: 1,547
Pennsylvania
Jan 12, 6:12pm - #371775 
Originally Posted by RicePowered
^^ not techinically ... they could still deny his claim


they could...i think it depends on their policy if you read it specifically to check it out...also what type of accident and if ur insurance rep is a dick or not. One thing is certain though...they will never pay for a turbocharger that you never insured. With my company though...when i crashed my car they told me to remove any aftermarket parts that i put on...and they didn't ask me about it...they just trusted the body shop's appraisal...

50:50 chance really...

Joined: Nov 2004
Posts: 319
celicatuner
Member
celicatuner
2002 silver Toyota Celica
Member
2002 Toyota Celica

Joined: Nov 2004
Posts: 319
amherst, ma
Jan 12, 10:51pm - #371776 
when my stereo(after market) got stolen they said they'd cover it if I could produce a receipt proving I had the thing. I tossed it though.. and the deductable on theft was like 500 so I could buy 2 stereos for that so not worth it anyways. but would worth it for a 5k turbo kit. Best bet though would be to read the paperwork on the insurance policy. of course if the car gets "totaled"(meaning repairs are worth more than value of car then they will just give you value of the car and your outta luck if it was worth more than that)

Joined: Aug 2004
Posts: 993
Celica2k
Jace
Celica2k

Jace
2000 Toyota Celica GT

Joined: Aug 2004
Posts: 993
Springfield, MO
Jan 13, 9:32am - #371777 
they will still cover him. i think your insurance will go up some.

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Posts: 874
drkramm
seabass
drkramm
2000 black Toyota Celica GTS
seabass
2000 Toyota Celica GTS

Joined: Jan 2004
Posts: 874
pa
Jan 13, 9:47am - #371778 
if you tell them it will be covered for recipt amount and insurance will go up

if you don't tell them insurance won't cover it but you can awlays say you dind't know you had to tell them

on most insurnce forms its asks " any power producing items" i know with progressice on my bike they asked about big bore kits turbos and nawz


hey thats a 20 minute phone call
"if i have seen farther it is by standing on the shoulders of giants"
derek: do you know that non dairy cream is flamable
Jennie: ...derek..what did you do
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Posts: 2,979
RookieGTS
Boobie Vision
RookieGTS

Boobie Vision
2000 Toyota Celica

Joined: May 2004
Posts: 2,979
925 Nor Cal
Jan 13, 11:50am - #371779 
its gay but I can see why they would deny your claim if it were to happen.

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celicadragon
Specialist
celicadragon

Specialist
2002 Toyota Celica

Joined: Jun 2004
Posts: 1,337
Pittsburgh, PA
Jan 13, 1:10pm - #371780 
i always thought that they would only cover the factory parts and the aftermarket would be a loss but they would still cover


respect the gt-s
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drkramm
seabass
drkramm
2000 black Toyota Celica GTS
seabass
2000 Toyota Celica GTS

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Posts: 874
pa
Jan 13, 1:27pm - #371781 
Originally Posted by celicadragon
i always thought that they would only cover the factory parts and the aftermarket would be a loss but they would still cover



when i totaled my jetta they gave me money for my rotors headunit and tires even thoguh i never told them i had them

i have state farm for my car btw


hey thats a 20 minute phone call
"if i have seen farther it is by standing on the shoulders of giants"
derek: do you know that non dairy cream is flamable
Jennie: ...derek..what did you do
Joined: Jan 2004
Posts: 2,373
AZZKIKR
SHO - NUFF
AZZKIKR

SHO - NUFF
2003 Toyota Celica GT

Joined: Jan 2004
Posts: 2,373
ATL GA
Jan 13, 1:33pm - #371782 
most insurance companies have setups where you can insure customizations...not sure how a turbo would affect your insurance persoanlly, but I know that if you don't tell them, then they won't charge you, but at the same time won't insure it either

Joined: Oct 2004
Posts: 233
Lasherccl
Member
Lasherccl

Member
2001 Toyota Celica

Joined: Oct 2004
Posts: 233
Arizona
Jan 13, 1:34pm - #371783 
why dont you ask the insurance company directly? i mean at least you'll know for sure.


I fought the law and the law won, i lost my girl and i lost my fun, i fought the law and the law won.....
Joined: Jan 2005
Posts: 17
mattt
Member
mattt
2002 Spectra Blue Toyota Celica
Member
2002 Toyota Celica

Joined: Jan 2005
Posts: 17
Huntington,WV
Jan 13, 4:51pm - #371784 
well i don't even have collision insurance...just medical wtf

Joined: Jul 2004
Posts: 89
L3M1315
Member
L3M1315

Member
2000 Toyota Celica

Joined: Jul 2004
Posts: 89
Madison WI
Jan 14, 11:28am - #371785 
I think the BEST answer is call your insurance company and ask them the details:
1) How much will my premium increase if I put a turbo on my car?
2) Will it be covered if it is insured? (A rhetorical question I hope.)
3) Will it be covered if I add it on and don't insure it? (less rhetorical)
4) Will all claims be denied if I add an uninsured turbo?

The insurance company won't panic if it doesn't exist on the car - he's just doing his homework like he should. You all should know that, and that should be your first recommendation. It doesn't matter what his dad says, and it doesn't matter what we think will happen - the insurance company makes all the decisions: talk to THEM.

Joined: Jun 2004
Posts: 1,337
celicadragon
Specialist
celicadragon

Specialist
2002 Toyota Celica

Joined: Jun 2004
Posts: 1,337
Pittsburgh, PA
Jan 14, 11:51am - #371786 
calling is a good idea


respect the gt-s
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