and the turtle is no more
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Senior Member
Joined: 08-09-08
Posts: 590
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From: POMPANO BEACH FL
and the turtle is no more
well guys this morning has to be one of the worst days of my life 
... i was clipped in the rear coming off the turn pilke and had a head on collision with the guard rail... car is prtty much totaled 
.... now the insurance company is telling me i might not be covered WTF!!!!!!! after putting ten grand in the motor i got to drive her for a week... ******* bull **** !!!!!!!!!
some pics and videos... news crew and everything was there
... i was clipped in the rear coming off the turn pilke and had a head on collision with the guard rail... car is prtty much totaled .... now the insurance company is telling me i might not be covered WTF!!!!!!! after putting ten grand in the motor i got to drive her for a week... ******* bull **** !!!!!!!!!some pics and videos... news crew and everything was there
Thread Starter
Senior Member
Joined: 08-09-08
Posts: 590
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From: POMPANO BEACH FL
Argue enough and they'll pay for it.. Take them to court if they try any BS. When my car was totalled it took 3 weeks of arguing to get them to pay me the market value of the car, but I got it
Clipped by another car?
What is the whole story? I"m confused as to why this wouldn't be covered. Now I would understand that an insurance company wouldn't pay for a 10k dollar motor, but no coverage is a joke.
What is the whole story? I"m confused as to why this wouldn't be covered. Now I would understand that an insurance company wouldn't pay for a 10k dollar motor, but no coverage is a joke.
Senior Member
Joined: 02-09-09
Posts: 4,374
Likes: 5
From: Tejas
Unless you tell the insurance company about the mods you've made, they usually only have a clause that covers up to a certain amount of extra value of add-ons/"accessories" of various kinds.
If you make a major mod to your car, it's best to tell them about it so they add it to the policy. The rate will go up, because you're effectively covering more things/value, but when it hits the fan you'll at least get that money back too in addition to the value of the car.
For instance, my Hahn IC is currently covered by my insurance. If it gets wrecked or stolen today, I'm getting the money back for the IC in addition to the value of the car.
Man, I'm really sorry to hear about this.
If you make a major mod to your car, it's best to tell them about it so they add it to the policy. The rate will go up, because you're effectively covering more things/value, but when it hits the fan you'll at least get that money back too in addition to the value of the car.
For instance, my Hahn IC is currently covered by my insurance. If it gets wrecked or stolen today, I'm getting the money back for the IC in addition to the value of the car.
Man, I'm really sorry to hear about this.
Senior Member
Joined: 05-20-07
Posts: 2,341
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From: Tampa
i work in claims for a big insurance company...first who are u insured with?? second what happened? and third do you have collision coverage? Ya nothing that you have done to the motor will be covered unless you had an additional equip coverage with your policy sry man shitty situation
Unless you tell the insurance company about the mods you've made, they usually only have a clause that covers up to a certain amount of extra value of add-ons/"accessories" of various kinds.
If you make a major mod to your car, it's best to tell them about it so they add it to the policy. The rate will go up, because you're effectively covering more things/value, but when it hits the fan you'll at least get that money back too in addition to the value of the car.
For instance, my Hahn IC is currently covered by my insurance. If it gets wrecked or stolen today, I'm getting the money back for the IC in addition to the value of the car.
Man, I'm really sorry to hear about this.
If you make a major mod to your car, it's best to tell them about it so they add it to the policy. The rate will go up, because you're effectively covering more things/value, but when it hits the fan you'll at least get that money back too in addition to the value of the car.
For instance, my Hahn IC is currently covered by my insurance. If it gets wrecked or stolen today, I'm getting the money back for the IC in addition to the value of the car.
Man, I'm really sorry to hear about this.
Unless you tell the insurance company about the mods you've made, they usually only have a clause that covers up to a certain amount of extra value of add-ons/"accessories" of various kinds.
If you make a major mod to your car, it's best to tell them about it so they add it to the policy. The rate will go up, because you're effectively covering more things/value, but when it hits the fan you'll at least get that money back too in addition to the value of the car.
For instance, my Hahn IC is currently covered by my insurance. If it gets wrecked or stolen today, I'm getting the money back for the IC in addition to the value of the car.
Man, I'm really sorry to hear about this.
If you make a major mod to your car, it's best to tell them about it so they add it to the policy. The rate will go up, because you're effectively covering more things/value, but when it hits the fan you'll at least get that money back too in addition to the value of the car.
For instance, my Hahn IC is currently covered by my insurance. If it gets wrecked or stolen today, I'm getting the money back for the IC in addition to the value of the car.
Man, I'm really sorry to hear about this.
Senior Member
Joined: 10-28-08
Posts: 5,068
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From: New Milford, NJ
holy ****. if you walked out unscathed from this im going to have more faith in my car in an accident.
i hit a guy doing like 20 and i thought my damage was bad.
at least you're doing well enough that you can still type.
sucks about the car, i was following your build too.
i hit a guy doing like 20 and i thought my damage was bad.
at least you're doing well enough that you can still type.
sucks about the car, i was following your build too.
idk man. i dont see why you wouldnt be covered. this is the risk we all take when building a "custom" car. i have a 79 nova that to the ins. company is worth $700. ive got 10x that invested. if somehting happens then im fucked. i know it not what you wanna hear but its the reality of it. best of luck and i hope it works out for you.
Senior Member
Joined: 02-09-09
Posts: 4,374
Likes: 5
From: Tejas
How much do insurances company raise insurance for mods? I kno it would be worth it in case the worst happens but is it ridiculous how high it gets or is it reasonable? Like in the example of *S!CC_R@c!NG_TURTL3* because he had a custom turbo and over 10k in the car, how would that end up?
If it starts getting too expensive to declare all of the mods, maybe you can pick which ones to cover and take a chance on some of them in return for a lower rate.
It really depends on the company. Some will even cover up to a certain value for free as long as you have the receipts for them to show how much they were.
If it starts getting too expensive to declare all of the mods, maybe you can pick which ones to cover and take a chance on some of them in return for a lower rate.
If it starts getting too expensive to declare all of the mods, maybe you can pick which ones to cover and take a chance on some of them in return for a lower rate.
Thread Starter
Senior Member
Joined: 08-09-08
Posts: 590
Likes: 0
From: POMPANO BEACH FL
i work in claims for a big insurance company...first who are u insured with?? second what happened? and third do you have collision coverage? Ya nothing that you have done to the motor will be covered unless you had an additional equip coverage with your policy sry man shitty situation