This is a discussion on Insurance and Mods within the General Maintenance, Troubleshooting & Accidents. forums, part of the Tech & Modifying & General Repairs category; Originally Posted by JPinMD Hey, I didn't know it was just the caliper when I had it towed to the ...
As my father is a lawyer and knowing a little, the dealer gave out too much info. If asked by geico about the car, they can play dumb. A proper response from the dealer is, we dont know of any modifications on his car.
I would also ask to speak to the owner of the dealer. I would carefully threaten him with what your going to do because his flunkie opened up his trap. Tell him you are going to create a website to steer customers away from the dealership. Freedom of speech protects here unless you use the wrong slander. If you use google, google up ricart and Look at the 2nd search result. This dealer would be smart to repay you what you might loose due to this and then some then loose a few sales if you create a website.
If a car is lowered with aftermarket rims, a full-atmospheric blow-off valve and a fart-can for an exhaust, there's no invasion of privacy if the whole world sees and hears it when it is going down the road.
Besides, the claims adjuster has every right to see the vehicle the company is covering in order to make the correct decision of whether or not to cover the cost for repairs. That is why a body shop will photo document the damage of a vehicle; to send the images to the insurance agency. By making a phonecall he/she just saved him/herself a trip to the dealer, or found cause to see the vehicle first-hand.
Be nice, polite, and kind and you will get way farther IN LIFE then being a sue happy, attorney calling, tool bag. He has no grounds at all to sue. Again you have no idea how the conversation between the tech and insurance company went. If the insurance company asks for any modifications at all to the car do you expect the tech to lie? He has no reason to lie it isnt his car and he's going to get paid either way.
The insurance company has a direct relationship between the car, the dealership, and the owner. THere is no right to privacy at all.
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I had a little too much to drink friday it looks like and get goofy when so. I just remember growing up seeing what my father pulled off right or wrong. Unless the dealer has a body shop and one that wants to kiss ass to geico on ins claims, what business is it to tell what mods a car might have? Lets get the right answer, not a perceived correct one. I dont think it's been answered by any of us yet. I think it boils down to the dealer didnt have to give out any information by simply stating "we dont know of any mods on his car". If that verbal over the phone quote was used to begin with then you wouldnt be reading this now. And trying to hold the dealer liable for it wouldnt hold up in court. The relationship with a dealer with a body shop who kisses ass to geico claims could be affected even though his car was in for a mechanical repair.
My understanding was that with insurance to cars.. if you don't claim it, they don't cover it. So if you have a 5000 dollar paint job, and don't claim it, they don't cover it. Or if you get a front mount intercooler and it gets damaged, they don't cover it when you don't have it claimed on your insurance. So as long as dude doesn't want it covered, then y doesn't he just call Geico and tell em he doesn't want to claim all that sh!t.
Sounds like "Josh" needs a serious beating...
06 GTO M6 Quicksilver, SLP 455 Bobcat, LS7 Clutch w/ SS line (RPM tune:373rwhp/373rwtq)
07 WRX TR M5 Garnet Red Pearl w/ Straight PPGs and Cusco front LSD (Agile tune:307whp/343wtq)
Geico ( or most any other insurance carrier ) wants to ensure you ( and they ) are fully covered in the event of a total loss type of accident. Like stated if you put $10k in mods but don't declare it to your provider then go ole KBB determines your vehicle worth.
If you really do have that uber expensive stereo system then make sure your carrier knows it. Yes, this does mean a potentially higher premium ( the total vehicle value is higher, thusly a higher payout in case of theft or accident ).
Engine mods are different depending on the insurance company. You can cover your ride for "net worth" which is a value YOU set forth and ultimately pay on. Again a 10 second WRX is gonna be worth more than a similar stock model so don't expect to pay the same premium for both unless all you want a check for in the end is a stock WRX.
Now I don't think the ONLY reason they inquired about mods is for your benefit. Say you or your beer buddies had installed a big brake kit the previous weekend, do you think Geico would replace it with anything other than a stock part you did/did not claim was on it?
Sorry, soap box is put away. Talk to Geico about Total Worth coverage. Make sure you estimate your mod worth as accurately as possible. No need to get shorted if something bad happens or pay too much in premiums if you overshoot the values.
2005 Legacy GT - stock for now
1991 Galant VR4 - Sold
2002 WRX Wagon - Sold
Progressive insurance FTW! I got a letter when my new policy period began. It stated something along these lines, but not exactly. They will cover "custom" wheels and body parts for no extra cost on your monthly premieum. Now do everyone start calling me a liar, I said something like that. I will have to look for the letter and post it up on here.
Progressive is a great company none the less. They are oper 24/7, so anytime I needed anything, had a question, or had to pay late or early they were there to help me no problem. Also I have had to make a few claimes, 1 for vandelisim and one for hitting a deer. They never looked at me crossed eyed or ever doubted anything I told them. My car is not stock, and they know that. There is a claim center and body shop in one a few miles from my work. I have had the car worked on at my works bodyshop and their body shop. They don't pressure you into using their body shop at all. They encouraged me to use mine if it was more convienient. Even when they did body work for me, it was great. And they were more than happy to do a few extra things for me, for free. Such as painting the grey plastic in the lower air dam and around the foglights to match the rest of the car. They also painted my c-west grille and headlight inserts( peices between the headlights and grille) for no charge too. Plus touched up my stock wheels that "I" painted, no charge.
I am VERY pleased with progressive Ins. Co. and I would say to anyone to check them out. I pay under $200 a month for full coverage on my 02 WRX with all my deductables at $250, and I have had my licence suspended 4-5times, had to get a point reduction test, 1 at fault accident, 3 total, and a DUI!!!
'02 2.0l WRX, 237awhp, 236awtq. XPT Stage 2
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