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http://racing.kos.net/soloforums/sho...&threadid=2344

pls really take time into this matter if you mod your car

ppl, pls all do something, if it goes on like this we will all be doomed

 
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Hope there isn't any real validity to that.

 
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lucky i dont deal with states farm

 
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state farm is one of the worst, but more and more ins company will follow their footsteps unless we are do something

 
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Yeah that would suck, my car is still insured in BC, so it's through ICBC which is the only insurance agent in BC, but here in Alberta we do have state farm, so hopefully I can stay with my BC stuff.

 
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I go through this mom and pop operation in Aylmont Ontario. They're really good to me. The actualy insurance is Federation. I was with State Farm way back when and I left after a year.

 
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What kind of Mods are they talking about. Just the plane old 7th gen mods that we do or the final lap cars that are modded out?

 
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ANY mods that will affect car handling or speed i.e. exhaust intake spring shocks coilovers bars just about ANYTHING everybody mod on their cars

 
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I know that our insurance company will deal with mods. The only problem is they will only cover up to $1500. When you think about it that is not much at all. Insurance companies think that if you have certain mods that that means that you are going to drive fast and increase your oddds of having an accident. Our insurance company considers stereo and rims mods as well. I think the whole think is BS. Why should we have to go to an insurance company that will charge an arm and a leg cause we want to mod our cars.

 
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bah I'm not too worried about that anyways. How would an insuarnace company find out about the mods ANYWAYS unless you wanted to get them insured... which to me wouldn't make sence b/c most people's insurance would go way up if you wanted to insure your MODS.

If one was to get into an accident, and any of the performance mods you've done to your car get damaged, well them the breaks I suppose. It's a chance you need to take. Unless you want to get them insured, and in which case your insurance will sky rocket.

 
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they will reject to insure your modded car IF you get into accident which you need an insurance claim and they have to inspect the damage and they find out the mods. Even though u dont need them to pay for the price of the mods, they will still cancel your insurance cuz now they know u have mods, at least thats what statefarm is doing to alot of ppl (cases i heard is subaru, cavaliar, vw, civic). They are not going to pay for any damage done to your car (even if its not your fault in an accident cuz right now every insurance company pay for their client's damage, not the at fault insurance company pays). Also unless you turn your car back to stock they will not insure the car anymore and than it be a very hard time looking for another company in a very short time + pay very ski high premiums cuz of the cancellation record.

 
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that fukin sux man i am with state farm and i hope that they don't send me the letter if thats the case i have to find another insurance company, but they also give me really good rates..

as for the mods on stereo equipment i was told that yes it is considered a mod if you were to change your door speakers to aftermarket ones like eclipse, but for a sub and amp its considered an accessory.

 
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audio mods are ok, the most they can do is not to cover all the stereos if it got stolen, but for handling / power related mods, they wont insure your car at all

 
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You do realize that if you decide to mod your car, your are increasing the value of it when you add these rims and a stereo, then it makes it a target to theft, vandalism and a whole lot of other things when you compare it to a stock vehicle .... So the insurance company assumes they are insuring a stock honda civic when in fact they are insuring a car with $5000 to $10,000 worth of extra's, making it more valuable and a bigger target ... and then you want them to cover all the mods you have, which they didn't know about in the first place, but you want it to be cheap as well .... Would you insure a car you know nothing about?

 
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I'm getting my car appraised this year after I get a few more things done to it. I know that the rates are gonna increase a little bit but I don't want any problems if something happens to it.
When I got the car insured with my broker they came to photograph it and took several other pics of the mods they could see for my benefit and theirs. They're first rate all the way!

 
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hehehe, Pharoh you think they would want more customers?

 
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my car is stock as always....lol
so i guess i am ok, but then again my car is a pure sleeper

 
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Pharaoh, becareful when u bring it to appraise, as long as you are not with SF, i think it will be ok, ppl got their insurance cancel cuz they appraise their car

 
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Last year when we swiched our insuance company I was asked nothing about mods to our car. What are you going to do call your insuance company everytime you do something to your car? Yes I do expect my insurance company to insure EVERYTHING on my car. I paid for it and can prove it. I pay a **** load for insurance and have full coverage. I am insurered for $1500 in mods. It is my responsibility to contact my insurance company if I have more then that and increase that amount. If you get in an accident or have some kind of damage due to accident, theft or vandalism it is there responsibility to fix what is wrong. They can not turn around and say "sorry you have mods so were not going to touch your car". Ever hear of something called a contract. The only time your contract can be changed is at renewal time. At that time they can say get lost. This whole mod thing is it with American or Canadian insurance companies. Cause our insurance laws are different then the Americans

 
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this is mainly for canadian insurance company and espically for Ontario. This is where it goes wrong, since not many ppl have the time and money to take the company to court they can do whatever they want.

 
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$1500 is what everyone who buys an Ontario Insurance Policy gets, and it is only for electronic devices, like your stereo ... and if you want your rims or bodykit covered, you DO have to call them, or the have the right to deny coverage to the mod, as it woud be more expensive to replace than your stock parts ... and the insurance company can change your contract anytime they want, they have notify you by registered letter but they can do it ... I was a Auto adjuster for 2 years, and the laws in the States compared to the laws here regarding insurance are somewhat the same from State to State ...

 
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K just a few things. There are thousands of insurance companies in Ontario. All are different and state different terms. The only one thing they have to follow is the Ontario insurance act. I am just telling you what I have been told and read. My insurance company will cover $1500 of ANY mods done to my car, ANY. I cantake out more coverage but that is my responsibility. They cannot change your contract in the middle of the year. Don't believe me read the insurance act. It states it in there. Cannot be changed or alltered in the middle of the term other then becomming common-law in the middle of the term. This has all be told to me by my insurance agent. My car was in an accident a few months ago and I talked to the agent about mods. I know what I am talking about. But again my insurance company is different then your. One more thing..if my car got damaged and my insurance company refused to fixed it disregarding my contract you are dame well right I would find the time and money to take them to court. Anyone who would take it up the *** from the insurance company is just plain stupid. As if you would not fight for that.

 
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First of all, the OAP 1 (Ontario Auto Policy) is the same, with every company who writes auto Insurance in Ontario - Its the rates that are different between companies .... And the coverage for your $1500 is, and I quote directly from the polict wordings themself, :

" we will not pay for more than $1500 for loss or damage to electronic accessories other than factory installed equipment. We will pay the actual cash value of the equipment up to $1500 in total."

I also just wanted to point out, that the Insurance Act does state that the insurer has the right to alter or change the contract of insurance at any time, with the refund of unearned premium and to notify the insured within 7 business days by registered letter.

I'm not trying to fight you or change what your agent told you but I handled auto claims for 2 years, I have my CIP and FCIP designations and I am currently a Litigation Adjuster. I wouldn't blame anyone fr being upset with their company for not covering something that should be, but the onus is on the policyholder to make sure they have the proper coverages in place.

 
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I did state that every insurance company is different but the only thing in common with them is that they have to follow that act. You can think what you want, I know what my insurance company offers and that is any damaged part on my car up to $1500. When my car was hit I was asked if I had a body kit and/or exhaust. I was told that that would be covered if damaged. So again all companies are different and I am not going to fight with you over what my company offers. As far as the contract goes I was told by an agent that it can not be changed usless you become common-law within your term. Bottom line insurance companies should not be allowed to tell us what we can and cannot do to our cars.

 
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They not telling you what to do with your cars, there asking you to tell them what your doing so they can properly insure you...

 
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Is it just me or is this thing turning into a damned debate

I won't be taking sides but guys c'mon Insurance companies have always been **** hehehe

just let it go

 
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Eric we were not debting about insurance companies being ****. we were debting what coverage I had and about cancelling a contract in the middle of a term.
BTW post made by Tofast for me not lilJoe

 
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It was a comment made "in general" about insurance companies, and how **** they are. The debate comment was aimed at yourself and 03Eclipse, because you two were arguing back and forth over well ~~ read quote ~~
Thats all it was.

I'm done with this thread.

 
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well public perception being what it is i don't expect people to agree or love their insurance company ... I mean you pay all that money, and all you get in the end is a little pink slip .... And I don't mind or care if people are upset or gripe about their rates, but when you write and say things that are not correct regarding the laws and how a company operates, especially when I know otherwise, i would tend to defend the industry

 
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See o3 I don't want to fight about who is right or wrong. I to am not going to sit here and say that what you are saying is right even when I don't agree. All I know is that I knew more about my contract and about the act then my insurance agent. I am done fighting with you on this issue.