[Hunter51092]

I noticed when i told my insurance company (Geico) that i got new rims 18's etc..they raised the price on my policy do you guys tell your insurance when you guys get your expensive as mods?

should these cosmetic mods be kept a secret

Thanks

[BOBKUR]

Someone has to feed the GECKO.

[gds52]

Originally Posted by Hunter51092

I noticed when i told my insurance company (Geico) that i got new rims 18's etc..they raised the price on my policy do you guys tell your insurance when you guys get your expensive as mods?

should these cosmetic mods be kept a secret

Thanks

next time tell them you went back to regular wheels

[Hunter51092]

Originally Posted by gds52

next time tell them you went back to regular wheels

i am lol

[be1ieve1111]

I'd never tell them. But if shit hits the fan (accident) they might only pay for the original OEM rim(s).

[Hunter51092]

Originally Posted by be1ieve1111

I'd never tell them. But if shit hits the fan (accident) they might only pay for the original OEM rim(s).

yeah thats why i told them but its not worth the extra $40 on my policy a month lol i just got off the phone with them told them changed back to factory!

[turbobird14]

[QUOTE=Hunter51092]

Originally Posted by be1ieve1111

I'd never tell them. But if shit hits the fan (accident) they might only pay for the original OEM rim(s).

If that's the case.. They would probably quote dealer price for oem rims and would have to pay even more than to replace an aftermarket rim.. Depending on the brand of rim of coarse

[Hunter51092]

Originally Posted by turbobird14

If that's the case.. They would probably quote dealer price for oem rims and would have to pay even more than to replace an aftermarket rim unless... Depending on the brand of rim

thats also true lol

[e92ben]

I have esurance. Claimed 3500 in custom mods they bumped my premium up like 12 bucks a month lol. I think it's worth it.

[BMW_Belgier]

I'll wait the first year... Then every year i'll inform my insurance of some mod... That way they don't touch my premium

And if they do it... i'll call somebody

[schung]

Originally Posted by gds52

next time tell them you went back to regular wheels

.

[BQTuning]

Originally Posted by Hunter51092

I noticed when i told my insurance company (Geico) that i got new rims 18's etc..they raised the price on my policy do you guys tell your insurance when you guys get your expensive as mods?

should these cosmetic mods be kept a secret

Thanks

Hell no ! If your Rims are really expensive then sure why not. There are too many brick laying mofos on earth.

[WiLD]

My insurance company never asked but I think I may need to claim some mods...$3000 wheels are not something I want to lose out on if I hit a gigantor pothole! Not even sure they would cover that but still....

[cmyk]

I actually asked my adjuster about this when he was estimating damages to my car from a hail storm (out of curiosity, since none of my major aftermarket parts were damaged). He said that usually, if you can provide receipts they will cover your aftermarket parts as part of the claim. Not sure that would fly for $4,000 wheels, but for smaller items they may just work with you as part of the claim. I had my original trim vinyl wrapped before the claim, and the insurance/body shop is replacing with OEM shadowline, for example, since the trim had a small dent in it. Technically it did not need to be replaced but I guess Allstate didn't know how to reimburse me for the vinyl (or didn't want to go through the hassle of figuring that out with the shop) so they just replaced the whole trim set and didn't ask any questions.

Same goes for other small things like window tint. Technically that is "aftermarket" but my back windshield is being re tinted at the shop since it was tinted before I filed the claim. What the adjuster kept telling me is that they return the car in "exactly the same condition as it was in before the claim."

[Hunter51092]

Originally Posted by cmyk

I actually asked my adjuster about this when he was estimating damages to my car from a hail storm (out of curiosity, since none of my major aftermarket parts were damaged). He said that usually, if you can provide receipts they will cover your aftermarket parts as part of the claim. Not sure that would fly for $4,000 wheels, but for smaller items they may just work with you as part of the claim. I had my original trim vinyl wrapped before the claim, and the insurance/body shop is replacing with OEM shadowline, for example, since the trim had a small dent in it. Technically it did not need to be replaced but I guess Allstate didn't know how to reimburse me for the vinyl (or didn't want to go through the hassle of figuring that out with the shop) so they just replaced the whole trim set and didn't ask any questions.

wow thats awesome man! thanks for the info! i save my receipts for everything thank god ! Glad everything worked out with your car as well! i remember seeing your pictures from the hail, if that was you?

[cmyk]

Originally Posted by Hunter51092

wow thats awesome man! thanks for the info! i save my receipts for everything thank god ! Glad everything worked out with your car as well! i remember seeing your pictures from the hail, if that was you?

Yep, that was me Thanks. $15,000 in damage, an entirely new body and paint job for my car, and I'm picking it up next week hopefully. 6 weeks in the shop. Sigh. But I got a CF hood and trunk lol

[Hunter51092]

Originally Posted by cmyk

Yep, that was me Thanks. $15,000 in damage, an entirely new body and paint job for my car, and I'm picking it up next week hopefully. 6 weeks in the shop. Sigh. But I got a CF hood and trunk lol

lol damn i would be happy besides the 6 weeks in a shop its still clean title?

[cmyk]

Originally Posted by Hunter51092

lol damn i would be happy besides the 6 weeks in a shop its still clean title?

Yep, title is clean.

[Hunter51092]

Originally Posted by cmyk

Yep, title is clean.

then i would be youll be happy as fuh when you get it lol

[gds52]

Originally Posted by Hunter51092

wow thats awesome man! thanks for the info! i save my receipts for everything thank god ! Glad everything worked out with your car as well! i remember seeing your pictures from the hail, if that was you?

actually this is correct.
In California, (Farmers Insurance), I got my aftermarket rims added for $2000 value on my Lancer, with some $25 extra premium for extra $2000 worth of accessories protection.