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#371765 Jan 11, 8:34pm
Joined: Jan 2005
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2002 Toyota Celica
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2002 Toyota Celica
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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

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dikitzaps
1974 Toyota Celica
dikitzaps
1974 Toyota Celica
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Posts: 5,342
yes

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black & blue 4 you
2000 Toyota Celica GT
black & blue 4 you
2000 Toyota Celica GT
Joined: Oct 2002
Posts: 1,233
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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CF Connoisseur
2004 Toyota Celica
CF Connoisseur
2004 Toyota Celica
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lol they will never know wink

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2000 Toyota Celica GT
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2000 Toyota Celica GT
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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.

Joined: May 2003
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dikitzaps
1974 Toyota Celica
dikitzaps
1974 Toyota Celica
Joined: May 2003
Posts: 5,342
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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2001 Toyota Celica GT
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2001 Toyota Celica GT
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Posts: 317
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
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2002 Toyota Celica
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2002 Toyota Celica
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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?

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2002 Toyota Celica
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2002 Toyota Celica
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they will still pay for the collision but not for the turbo so you know


respect the gt-s

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ECelica Staff
ECelica Staff
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^^ not techinically ... they could still deny his claim

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2000 Toyota Celica
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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...

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2002 Toyota Celica
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2002 Toyota Celica
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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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Jace
2000 Toyota Celica GT
Jace
2000 Toyota Celica GT
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they will still cover him. i think your insurance will go up some.

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seabass
2000 Toyota Celica GTS
seabass
2000 Toyota Celica GTS
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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

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Boobie Vision
2000 Toyota Celica
Boobie Vision
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its gay but I can see why they would deny your claim if it were to happen.

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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

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seabass
2000 Toyota Celica GTS
seabass
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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

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SHO - NUFF
2003 Toyota Celica GT
SHO - NUFF
2003 Toyota Celica GT
Joined: Jan 2004
Posts: 2,371
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

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2001 Toyota Celica
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2001 Toyota Celica
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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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2002 Toyota Celica
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well i don't even have collision insurance...just medical wtf

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2000 Toyota Celica
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2000 Toyota Celica
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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.

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calling is a good idea


respect the gt-s
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