Great, cops are calling insurance companies now...
19-Jul-2002, 11:05 PM
#1
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Great, cops are calling insurance companies now...
http://www.hondaprelude.to/forums/sh...5&pagenumber=1
what a pain in the @ss!! i know insurance companies will screw you bad even if you only have an intake and header as mods. when my insurance company found out i had bolt-ons they wanted to double my premiums! luckily i got out of that
but what the cops are doing now is ridiculous! :fustrated
i am seriously starting to feel afraid to drive my car around now...
what a pain in the @ss!! i know insurance companies will screw you bad even if you only have an intake and header as mods. when my insurance company found out i had bolt-ons they wanted to double my premiums! luckily i got out of that
but what the cops are doing now is ridiculous! :fustrated i am seriously starting to feel afraid to drive my car around now...
19-Jul-2002, 11:12 PM
#2
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what also pisses me off is how insurance companies are the biggest damn scammers. i mean so what if i put an intake and header on, great i have like less than 10hp more power now!! yah i'm sure that puts me into "high risk" category now 
what about the fact that i upgraded my suspension to improve handling? and what about the Kuhmo tires i put on in place of the pure SH*T stock Michelins that have absoulte zero traction. Do my premiums go down because of this??? NOOOO.
how are there not laws against this kind of crap? wtf!!
what about the fact that i upgraded my suspension to improve handling? and what about the Kuhmo tires i put on in place of the pure SH*T stock Michelins that have absoulte zero traction. Do my premiums go down because of this??? NOOOO.
how are there not laws against this kind of crap? wtf!!
20-Jul-2002, 12:09 PM
#4
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I don't agree with cops calling your insurance company, however if you where to get caught racing, reckless driving etc. then i think your insurance company should know. In 6 years i've only got one speeding ticket and have fairly cheap insurance.
If my car was had $20000 in mods plus say $10000 for the car I should only have to pay what I would for a brand new stock $30000 car. That would make sense to me.
If my car was had $20000 in mods plus say $10000 for the car I should only have to pay what I would for a brand new stock $30000 car. That would make sense to me.
20-Jul-2002, 02:27 PM
#5
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you guys want a insurance company to insure modded vehicles?
ok that seems like a good idea...when my august 3rd meet is done i will start working on that....the things i do for other drivers lol i need to get my *** paid!
ok that seems like a good idea...when my august 3rd meet is done i will start working on that....the things i do for other drivers lol i need to get my *** paid!
20-Jul-2002, 05:37 PM
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ok if you put like 10G's plus on your car and u are making double the stock horsepower then sure, the insurance should go up. but things like intake and header? come on, pure bs!! and what's fair is fair. if someone upgrades their suspension, brakes and tires the premiums should go down to reflect that. of course this will never happen though 
21-Jul-2002, 09:15 PM
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everything that you said is completely true and I totally agree, but however you have to realize that insurance companies don't base their premium costs on the safety standards of "yours" or "mine" unfortunately
now if there was a way to prove the improved safety standards of our modifications to the suspension upgrades via the companies themselves etc. then only then, would insurance possibly agree to decreasing the premiums (since safety standards of say Kumho's etc. are by far superior to the Michelins or stinkin Firestones)
now as for modifications to the engine etc. then it's completely understandable by the insurance companies to increase premiums in my eye (being an avid car nut as well). Just like my parents always tell me..."why are you changing something that works perfectly fine?"...same way insurance companies think right?
So by adding I/H/E we're attempting to improve the "performance" of the vehicle, and in their simple minds 1+1 = racercar...it sucks, but we gotta live with it.
On the other hand, our interests have led to increased understandings of engine efficiency over the avg. person and we all know that in our attempt to improve the "performance" with I/H/E it doesn't make a difference drastic enough for us Civic drivers to beat a Porsche. So at the same time it's very unfair...
I'm sure if one day we arrange the proven increased safety standards of aftermarket companies that we put onto our cars, insurance will be more understanding, perhaps.
Unless I'm just being optimistic
now if there was a way to prove the improved safety standards of our modifications to the suspension upgrades via the companies themselves etc. then only then, would insurance possibly agree to decreasing the premiums (since safety standards of say Kumho's etc. are by far superior to the Michelins or stinkin Firestones)
now as for modifications to the engine etc. then it's completely understandable by the insurance companies to increase premiums in my eye (being an avid car nut as well). Just like my parents always tell me..."why are you changing something that works perfectly fine?"...same way insurance companies think right?
So by adding I/H/E we're attempting to improve the "performance" of the vehicle, and in their simple minds 1+1 = racercar...it sucks, but we gotta live with it.
On the other hand, our interests have led to increased understandings of engine efficiency over the avg. person and we all know that in our attempt to improve the "performance" with I/H/E it doesn't make a difference drastic enough for us Civic drivers to beat a Porsche. So at the same time it's very unfair...
I'm sure if one day we arrange the proven increased safety standards of aftermarket companies that we put onto our cars, insurance will be more understanding, perhaps.
Unless I'm just being optimistic
21-Jul-2002, 09:26 PM
#9
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Insurance does suck the drivers that do not cause trouble get the crappy end of the stick because of what idiots do on the road to jack up all of our premiums. That is why sleeper is the way to go and no road racing. Premiums would not be high unless idiots do foolish things to make the police and insurance companies be alert about these situations about modding cars. It was never a big deal until people became reckless on the roads and cause damage and loss of life that is why in a way we all pay for their dumb mistakes.
21-Jul-2002, 11:50 PM
#10
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Originally posted by ryuujin
I'm sure if one day we arrange the proven increased safety standards of aftermarket companies that we put onto our cars, insurance will be more understanding, perhaps.
Unless I'm just being optimistic
I'm sure if one day we arrange the proven increased safety standards of aftermarket companies that we put onto our cars, insurance will be more understanding, perhaps.
Unless I'm just being optimistic
heh, the day insurance companies lower their premiums is the day cops stop pulling over Civics :working:
22-Jul-2002, 06:24 PM
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Originally posted by Promoking
Or the day a cop says he better lay off the donuts cause he's watching his figure. hehe
Or the day a cop says he better lay off the donuts cause he's watching his figure. hehe
Well you never know if we've never tried....you guys watch the news this weekend? I think roughly 10 people in total died in car related accidents and NONE of them were street racing related....the cause? Wreckless driving.
pity it is....they make such a big fuss about a small percentage of street racers and then they turn their backs and present to us 10 people dead because of wreckless driving. What gives?
23-Jul-2002, 05:34 AM
#14
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Originally posted by ryuujin
everything that you said is completely true and I totally agree, but however you have to realize that insurance companies don't base their premium costs on the safety standards of "yours" or "mine" unfortunately
now if there was a way to prove the improved safety standards of our modifications to the suspension upgrades via the companies themselves etc. then only then, would insurance possibly agree to decreasing the premiums (since safety standards of say Kumho's etc. are by far superior to the Michelins or stinkin Firestones)
now as for modifications to the engine etc. then it's completely understandable by the insurance companies to increase premiums in my eye (being an avid car nut as well). Just like my parents always tell me..."why are you changing something that works perfectly fine?"...same way insurance companies think right?
So by adding I/H/E we're attempting to improve the "performance" of the vehicle, and in their simple minds 1+1 = racercar...it sucks, but we gotta live with it.
On the other hand, our interests have led to increased understandings of engine efficiency over the avg. person and we all know that in our attempt to improve the "performance" with I/H/E it doesn't make a difference drastic enough for us Civic drivers to beat a Porsche. So at the same time it's very unfair...
I'm sure if one day we arrange the proven increased safety standards of aftermarket companies that we put onto our cars, insurance will be more understanding, perhaps.
Unless I'm just being optimistic
everything that you said is completely true and I totally agree, but however you have to realize that insurance companies don't base their premium costs on the safety standards of "yours" or "mine" unfortunately
now if there was a way to prove the improved safety standards of our modifications to the suspension upgrades via the companies themselves etc. then only then, would insurance possibly agree to decreasing the premiums (since safety standards of say Kumho's etc. are by far superior to the Michelins or stinkin Firestones)
now as for modifications to the engine etc. then it's completely understandable by the insurance companies to increase premiums in my eye (being an avid car nut as well). Just like my parents always tell me..."why are you changing something that works perfectly fine?"...same way insurance companies think right?
So by adding I/H/E we're attempting to improve the "performance" of the vehicle, and in their simple minds 1+1 = racercar...it sucks, but we gotta live with it.
On the other hand, our interests have led to increased understandings of engine efficiency over the avg. person and we all know that in our attempt to improve the "performance" with I/H/E it doesn't make a difference drastic enough for us Civic drivers to beat a Porsche. So at the same time it's very unfair...
I'm sure if one day we arrange the proven increased safety standards of aftermarket companies that we put onto our cars, insurance will be more understanding, perhaps.
Unless I'm just being optimistic
Insurance rate is base on mostly on driving record and age group then your car model. Unless you swap your engine, bolt ons are absolutely fine to my insurance company.(was told by my insurance agent) Other insurance companies may vary.
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