Insurance Policies that Accept Vehicle Modifications

[Kershaw]

^ yep.

i hit a log in the middle of the road in my rx8. i swerved and just barely hit it. but it cracked my front bumper (and blew apart my rim, and scratched all the way down the car. $4500 later..) i have a full buddy club body kit. geico paid for everything to be fixed.

another time i was driving in the winter and there was a pothole of no snow/ice that was so deep that when my front tire went into it, it cracked my sideskirt. geico also fixed that no questions asked.

[Bimmerman325i]

When i got rear ended in my extremely obviously modded m3, the adjuster came out and looked at it, took pictures, and that was that. No rate increase.

Amica is freaking awesome, they had cut me a check within a week to cover all damage without fighting, less my deductible. When they finally got the other company (allstate) to pay up, they wrote me a check for my deductible also. I am never going with another company, even though Amica's rates are somewhat high.

I know Greg got his mods covered when his car was totalled since he had receipts, but I don't remember what company he has.

[Franken30]

Just a word of caution: Safeco has a "stated value" option (you tell them the value of the vehicle) but - alas - when I made a claim (about 6 years ago) with such a provision in place, they wouldn't give me what I had stated.

They do, however, allow me to turn my insurance off when it's not in use (85% of the time) so I save on my premiums. Does anyone else know of an insurance company that offers that?

[Bimmerman325i]

Nearly all companies do. Amica calls it "lay up."

[conway]

When i got rear ended in my extremely obviously modded m3, the adjuster came out and looked at it, took pictures, and that was that. No rate increase.

Amica is freaking awesome, they had cut me a check within a week to cover all damage without fighting, less my deductible. When they finally got the other company (allstate) to pay up, they wrote me a check for my deductible also. I am never going with another company, even though Amica's rates are somewhat high.

I know Greg got his mods covered when his car was totalled since he had receipts, but I don't remember what company he has.

Other driver was at fault, his insurance paid me. He had Travelers, it took me 2 hours to find receipts through my emails and paypal from the past 5 years.