Originally Posted by ISP James
no i mean when they go to total your car out, they will usually ask you if you had put anything into it before you wrecked it or had it stolen etc.... i wouldnt ever tell them what i had into it before then :reechy:
there's mixed rumors on this, and i"m not sure which is real.
I've heard of insurance companies not refunding the cost of anything "aftermarket", even with documentation. Part of the insurance agreement is to pay for the car as registered. By adding extra parts, you essentially change the trim level and up the insurance rates.
(ex, modifying a Civic DX with all EX parts and engine ... on paper it's a DX, on the street is an EX)
my friend decided to report his modifications to the insurance company thinking they'd adjust his premium ... they denied his coverage claiming the car isn't what was on the agreement.
Originally Posted by ISP James
but when i flipped my car, i had just done timing belt, rear brakes, couple other minor stuffs and they compensated me for the full value of my receipts since it was within a certain time period.
that's really cool. :thumbup: