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Joined: Jan 2005
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mattt
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mattt Jan 12, 3:34am - #371765 
2002 Spectra Blue Toyota Celica
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2002 Toyota Celica

Joined: Jan 2005
Posts: 17
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
Joined: May 2003
Posts: 5,346
spaztikid
dikitzaps
spaztikid Jan 12, 4:08am - #371766 
dikitzaps
1974 Toyota Celica

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Posts: 5,346
LA
yes
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EuRoBoYGT
black & blue 4 you
EuRoBoYGT Jan 12, 4:17am - #371767 

black & blue 4 you
2000 Toyota Celica GT

Joined: Oct 2002
Posts: 1,233
El Paso, TX
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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hombredelassrtas
CF Connoisseur
hombredelassrtas Jan 12, 4:51am - #371768 

CF Connoisseur
2004 Toyota Celica

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Gainesville, FL
lol they will never know wink

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silver
Specialist
silver Jan 12, 4:55am - #371769 
2000 Silver Toyota Celica GT
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2000 Toyota Celica GT

Joined: Aug 2003
Posts: 1,251
California
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.
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spaztikid
dikitzaps
spaztikid Jan 12, 5:00am - #371770 
dikitzaps
1974 Toyota Celica

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Posts: 5,346
LA
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...
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Posts: 317
eclipseturbogsx
Member
eclipseturbogsx Jan 12, 6:00am - #371771 

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2001 Toyota Celica GT

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Posts: 317
North Carolina
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...
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Posts: 17
mattt
Member
mattt Jan 12, 5:54pm - #371772 
2002 Spectra Blue Toyota Celica
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2002 Toyota Celica

Joined: Jan 2005
Posts: 17
Huntington,WV
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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celicadragon
Specialist
celicadragon Jan 12, 6:14pm - #371773 

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2002 Toyota Celica

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Pittsburgh, PA
they will still pay for the collision but not for the turbo so you know

respect the gt-s
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RicePowered
ECelica Staff
RicePowered Jan 12, 6:33pm - #371774 
ECelica Staff

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Posts: 2,677
South Jersey
^^ not techinically ... they could still deny his claim
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sbocaj55
Specialist
sbocaj55 Jan 13, 1:12am - #371775 

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2000 Toyota Celica

Joined: Aug 2004
Posts: 1,547
Pennsylvania
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...
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Posts: 319
celicatuner
Member
celicatuner Jan 13, 5:51am - #371776 
2002 silver Toyota Celica
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2002 Toyota Celica

Joined: Nov 2004
Posts: 319
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)
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Posts: 993
Celica2k
Jace
Celica2k Jan 13, 4:32pm - #371777 

Jace
2000 Toyota Celica GT

Joined: Aug 2004
Posts: 993
Springfield, MO
they will still cover him. i think your insurance will go up some.
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Posts: 874
drkramm
seabass
drkramm Jan 13, 4:47pm - #371778 
2000 black Toyota Celica GTS
seabass
2000 Toyota Celica GTS

Joined: Jan 2004
Posts: 874
pa
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 Jan 13, 6:50pm - #371779 

Boobie Vision
2000 Toyota Celica

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Posts: 2,979
925 Nor Cal
its gay but I can see why they would deny your claim if it were to happen.
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celicadragon
Specialist
celicadragon Jan 13, 8:10pm - #371780 

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2002 Toyota Celica

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Posts: 1,337
Pittsburgh, PA
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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Posts: 874
drkramm
seabass
drkramm Jan 13, 8:27pm - #371781 
2000 black Toyota Celica GTS
seabass
2000 Toyota Celica GTS

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Posts: 874
pa
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 Jan 13, 8:33pm - #371782 

SHO - NUFF
2003 Toyota Celica GT

Joined: Jan 2004
Posts: 2,373
ATL GA
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 Jan 13, 8:34pm - #371783 

Member
2001 Toyota Celica

Joined: Oct 2004
Posts: 233
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.....
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Posts: 17
mattt
Member
mattt Jan 13, 11:51pm - #371784 
2002 Spectra Blue 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
Joined: Jul 2004
Posts: 89
L3M1315
Member
L3M1315 Jan 14, 6:28pm - #371785 

Member
2000 Toyota Celica

Joined: Jul 2004
Posts: 89
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.
Joined: Jun 2004
Posts: 1,337
celicadragon
Specialist
celicadragon Jan 14, 6:51pm - #371786 

Specialist
2002 Toyota Celica

Joined: Jun 2004
Posts: 1,337
Pittsburgh, PA
calling is a good idea

respect the gt-s
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