Celica Forums General Discussion Exterior 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.

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!

What if you have you amp screwed down?

spoken like a true insurance agent..

i pay an extra $15 a month for all my mods

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.

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.

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???

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

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

none of my mods are insured

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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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.

Why not call your insurance company and ask them?? What could it hurt?

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