Rep Power: 365

The company asks for your SSN because they use it in a much larger equation to give you an "Insurance Rating" (like a credit rating). It takes into account how many accidents you've had, your social status, credit history, etc - a whole lot of things.

The "we don't insure modified cars" thing was surely a decision made by their actuaries stating that modified cars are more likely to engage in risky behavior. As much as people don't want to believe it, the owners of truly exotic cars seldom go crazy on the street with them as they are generally older and have a lot to lose. If anything, they will track their cars but that's not covered by insurance anyway so the company doesn't care.

The company is large enough that it is guaranteed to have the infrastructure and actuaries necessary to make a statement against modified cars and filing a complaint with the BBB isn't going to do anything. Companies are only required to restrain from arbitrary or unnecessary discrimination. If they can prove it was necessary and not arbitrary, there is no foul.

Time to just be happy with your new company.

 
Rep Power: 312

maybe i should to, "I have this friend online and he hates them to, they wouldn't insure him because he had a aluminum pipe with a better filter instead of a plastic box. they suck and you should kick them square in the nuts, that is all"

 
Rep Power: 0

You Know What Thats Retarded My Roomates Have A Bagged S10 Compleatly Rebuilt From The Frame Up And They Made Them Get Customization (cant Spell) Eff Gieko Or Ask Them About It Because They Do Have Custom Car Insurance

 
Rep Power: 0

Why in the hell would you go with Geico insurance anyway? I can tell you write now that getting turned down for a CAI is utter bullshit like everybody has stated. I am an Insurance agent in Georgia and I have never had that happen with any of the eight companies I write policies for. It was the underwriters decision only and I've had to sway their decision a couple of times myself. Trust me you, and everybody else, is better off without Geico and their stupidly (made it up) high prices and shitty service.BTW, my car is $250 a year and it has 558HP in a civic DX.

 
Rep Power: 0

I guess the lesson here is not to tell insurance companies about mods, and if god forbid you get into an accident try and take off all cosmetic mods before the adjuster shows up.

 
Rep Power: 812

well the thing is, most adjusters have no clue. they are independent and just go out to the scene and make an estimate. then you deal with the body shop and tell them anything extra. like i had to have a new rear lip, so i told the shop and then they just billed the extra cost to insurance saying they had to order "more parts"

 
Rep Power: 0

DO YOU REALLY THINK THAT IS GOING TO FOOL THEM??...didnt you say, that even if you did that, they said you still would not be covered since you have the option to add parts???... isnt that what you said???.. well this lame trick aint going to work.. you arent going to be able to argue with them, they will follow their policy. So start looking for a new insurance company. Contacting the commission aint going to work, They cant force Geico to change their policies, when you have other options..

 
Rep Power: 812

i know alot of insurance companies get video evidence too so watch your back lol

 
Rep Power: 0

DUDE.. how old are you?... dont try and tell us you have a 500+ HP civic, and its 20 bucks a month for full coverage..... the insurance company, DOES NOT HAVE YOUR MODS in the policy...it aint happenin

 
Rep Power: 348

Probably liability only... I might believe it, I pay very low insurance at 24 and he is 25 (says right below his name)

 
Rep Power: 812

im 28 and i have liberty mutual for my 2k2 civic auto, its around $80 a month. its kinda high but it has other coverage too not just liability.