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insurance question #371765 Jan 11, 7:34pm Jan 11, 7:34pm
Joined: Jan 2005
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Huntington,WV
2002 Spectra Blue Toyota Celica
mattt OP
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mattt OP
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Huntington,WV
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

Re: insurance question [Re: mattt] #371766 Jan 11, 8:08pm Jan 11, 8:08pm
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LA
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spaztikid
dikitzaps
1974 Toyota Celica
spaztikid
S
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1974 Toyota Celica

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LA
yes

Re: insurance question [Re: spaztikid] #371767 Jan 11, 8:17pm Jan 11, 8:17pm
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El Paso, TX
EuRoBoYGT
black & blue 4 you
2000 Toyota Celica GT
EuRoBoYGT
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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
Re: insurance question [Re: EuRoBoYGT] #371768 Jan 11, 8:51pm Jan 11, 8:51pm
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Gainesville, FL
hombredelassrtas
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hombredelassrtas
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lol they will never know wink

Re: insurance question [Re: hombredelassrtas] #371769 Jan 11, 8:55pm Jan 11, 8:55pm
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California
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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.

Re: insurance question [Re: silver] #371770 Jan 11, 9:00pm Jan 11, 9:00pm
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spaztikid
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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...

Re: insurance question [Re: spaztikid] #371771 Jan 11, 10:00pm Jan 11, 10:00pm
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North Carolina
eclipseturbogsx
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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...

Re: insurance question [Re: spaztikid] #371772 Jan 12, 9:54am Jan 12, 9:54am
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Huntington,WV
2002 Spectra Blue Toyota Celica
mattt OP
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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?

Re: insurance question [Re: mattt] #371773 Jan 12, 10:14am Jan 12, 10:14am
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Pittsburgh, PA
celicadragon
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they will still pay for the collision but not for the turbo so you know


respect the gt-s
Re: insurance question [Re: celicadragon] #371774 Jan 12, 10:33am Jan 12, 10:33am
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RicePowered
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^^ not techinically ... they could still deny his claim

Re: insurance question [Re: RicePowered] #371775 Jan 12, 5:12pm Jan 12, 5:12pm
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sbocaj55
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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...

Re: insurance question [Re: sbocaj55] #371776 Jan 12, 9:51pm Jan 12, 9:51pm
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amherst, ma
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amherst, ma
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)

Re: insurance question [Re: celicatuner] #371777 Jan 13, 8:32am Jan 13, 8:32am
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Springfield, MO
Celica2k
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they will still cover him. i think your insurance will go up some.

Re: insurance question [Re: Celica2k] #371778 Jan 13, 8:47am Jan 13, 8:47am
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drkramm
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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
Re: insurance question [Re: drkramm] #371779 Jan 13, 10:50am Jan 13, 10:50am
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925 Nor Cal
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its gay but I can see why they would deny your claim if it were to happen.

Re: insurance question [Re: RookieGTS] #371780 Jan 13, 12:10pm Jan 13, 12:10pm
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Pittsburgh, PA
celicadragon
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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
Re: insurance question [Re: celicadragon] #371781 Jan 13, 12:27pm Jan 13, 12:27pm
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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
Re: insurance question [Re: drkramm] #371782 Jan 13, 12:33pm Jan 13, 12:33pm
Joined: Jan 2004
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ATL GA
AZZKIKR
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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

Re: insurance question [Re: AZZKIKR] #371783 Jan 13, 12:34pm Jan 13, 12:34pm
Joined: Oct 2004
Posts: 233
Arizona
Lasherccl
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2001 Toyota Celica
Lasherccl
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Arizona
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.....
Re: insurance question [Re: Lasherccl] #371784 Jan 13, 3:51pm Jan 13, 3:51pm
Joined: Jan 2005
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Huntington,WV
2002 Spectra Blue Toyota Celica
mattt OP
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2002 Toyota Celica
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2002 Toyota Celica

Joined: Jan 2005
Posts: 17
Huntington,WV
well i don't even have collision insurance...just medical wtf

Re: insurance question [Re: mattt] #371785 Jan 14, 10:28am Jan 14, 10:28am
Joined: Jul 2004
Posts: 89
Madison WI
L3M1315
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2000 Toyota Celica
L3M1315
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Madison WI
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.

Re: insurance question [Re: L3M1315] #371786 Jan 14, 10:51am Jan 14, 10:51am
Joined: Jun 2004
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Pittsburgh, PA
celicadragon
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calling is a good idea


respect the gt-s
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