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Any HP mods to your car .... and they can deny insurance ..? #2706556
10/13/19 11:08 PM
10/13/19 11:08 PM
Joined: Jul 2008
Posts: 21,111
STAYcation Florida
Doc Fiberglass Offline OP
I'm your back door man!
Doc Fiberglass  Offline OP
I'm your back door man!

Joined: Jul 2008
Posts: 21,111
STAYcation Florida
.... coverage in case of an accident ??

Has anyone ACTUALLY experienced this ?

Re: Any HP mods to your car .... and they can deny insurance ..? [Re: Doc Fiberglass] #2706561
10/13/19 11:22 PM
10/13/19 11:22 PM
Joined: Jul 2008
Posts: 21,111
STAYcation Florida
Doc Fiberglass Offline OP
I'm your back door man!
Doc Fiberglass  Offline OP
I'm your back door man!

Joined: Jul 2008
Posts: 21,111
STAYcation Florida
Jsta a spin-off of the Kevin Hart Cuda topic .....

Does anyone know how that car was insured? Factory VIN ?

Re: Any HP mods to your car .... and they can deny insurance ..? [Re: Doc Fiberglass] #2706589
10/14/19 04:39 AM
10/14/19 04:39 AM
Joined: Aug 2019
Posts: 621
Spudsville
Mr. Potatohead Online content
The member formerly known as..EV2..
Mr. Potatohead  Online Content
The member formerly known as..EV2..

Joined: Aug 2019
Posts: 621
Spudsville
I have USAA and they always go by the vin for what I insure them, for many years I had a converted Diesel to Gas pickup and could never convince them for the lower rate.

My old mopars have been effortless to insure for a fair value. Im honest with what they ask me and in over 30 years have never caused them a headache other them comp claims when I feel I couldnt absorb them.

My biggest liability is myself as some of my antics in the past would probably make them exempt from them if there was a problem. Render unto Caesar and all goes well.


My family is a bunch of Fruits and Vegetables and many cant tell us apart. EAT ME!
Re: Any HP mods to your car .... and they can deny insurance ..? [Re: Mr. Potatohead] #2706674
10/14/19 11:55 AM
10/14/19 11:55 AM
Joined: Dec 2003
Posts: 18,970
Trumussia
J
jcc Offline
I Live Here
jcc  Offline
I Live Here
J

Joined: Dec 2003
Posts: 18,970
Trumussia
I have a car that back in the second gas crisis, the owner during a restoration, pulled out the big block auto and installed the smallest small block with a 4 speed.

So I guess I would have to disclose the HP on my car was modified, and risk denial of coverage. work.


"Respect and Contempt are best served when justly earned"
Re: Any HP mods to your car .... and they can deny insurance ..? [Re: jcc] #2706680
10/14/19 12:30 PM
10/14/19 12:30 PM
Joined: Jun 2004
Posts: 2,805
St. Charles, MO
wingman Offline
Uncreative Title
wingman  Offline
Uncreative Title

Joined: Jun 2004
Posts: 2,805
St. Charles, MO
If modifications make a car no longer DOT legal (turn signals removed, no windshield wipers, safety glass removed, non-DOT tires) and that contributed to an accident/injury on a public roadway, then I would say they might have a legitimate issue with it.

But I have never experienced this personally nor heard of it actually happening.

Re: Any HP mods to your car .... and they can deny insurance ..? [Re: wingman] #2706689
10/14/19 12:54 PM
10/14/19 12:54 PM
Joined: Jan 2003
Posts: 25,930
Mardi Gras-Land
340SIX Offline
Too Many Posts
340SIX  Offline
Too Many Posts

Joined: Jan 2003
Posts: 25,930
Mardi Gras-Land
As I posted in another thread. There was a case where a guy had a lift kit etc done and it was denied as he changed the truck from the factory. They were not informed and they denied a claim for both parties.
My Grundy Policy clearly states that you must list HP as well as changes.

Re: Any HP mods to your car .... and they can deny insurance ..? [Re: 340SIX] #2706811
10/14/19 07:39 PM
10/14/19 07:39 PM
Joined: Nov 2004
Posts: 24,937
Texas
GoodysGotaCuda Offline
5.7L Hemi, 6spd
GoodysGotaCuda  Offline
5.7L Hemi, 6spd

Joined: Nov 2004
Posts: 24,937
Texas
Hagerty has my Cuda down as "modified" [and it adds a healthy amount to the premium].


1972 Barracuda - 5.7L Hemi, T56 Magnum 6spd - https://www.facebook.com/GoodysGotaHemi
1976 Dodge Warlock - "Her Truck" - 360/727 2wd
2016 Subaru WRX - E30 Tune ~320whp
[img]https://i.imgur.com/v9yezP9.jpg[/img]

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