imported_94EG6HB

How about an exhaust tip.

There is no performance gains.

Just cosmetic..

SF drops customers because of this..

I say B.S..

Insuranceman

I can't comment on that as I don't know the story on State Farm, I don't work for them ... I know my company insurers many modified vehicles as I have delt with the claims myself ... The point is you can't expect the company to cover something they don't know you have in the first place .....

imported_jason_alt

Why doesn't the insurance industry do something about the malpractice occuring from within?

Bodyshops overcharging for insurance work.

Bodyshops suggesting to customers to put claims through as a hit and run.

Adjusters pocketing cash.

They're fully aware of this. Why not do something about it? Cause it's easier to tell a customer to **** off and cancel their policy.

'Utmost good faith' my ***...

Insuranceman

First of all, we can't tell a bodyshop how to run its business ... Can I tell you how to act? no, so how are we suppose to tell a shop to lower its costs ... we can only go to another shop, and if we do they raise their rates cause they know they'll pay it

If bodyshops suggest those things, we can't stop them, its up to the customer to be honest, thats where insurance fraud comes into play ....

And how do adjusters pocket cash? Do you think we have a desk full of it? lol ... Every cheque and payment is reviewed by a supervisor (who has to actually sign the cheque) so where you got that from, I have no clue .... Theroies are all well and good until you have to actually prove something ...:cry:

imported_gatherer

you mean you don't have a desk drawer full of cash ?? and here I was going to ask to burrow 20 bucks ohhh well...

94EG6HB I was not specifically speaking of pulovrs incident as that was more of a ohhh look I'm fucked... situation I highly doubt with my solo 2 driving skills I'd even avoid that....

but I was using a general example of stuff I see on the streets all the time ... and now that my car in in getting painted, so I'm driving a mini van ... do you realize the number of idiots that I've seen tail gate me??? modified or not I find when I'm in the mini van they seem to get nice and close .. in my civic they left more space but in the van damn I tap the brakes I get a new bumper....

well once the car is ready at the shop my first phone call will be to the insurance company and my second stop will be the government to declare the color change ... I ain't taking any risks here.

imported_jason_alt

Does a bodyshop not have to go through a procedure in order to get on an insurance companies' approved list? When I see a Zurich approved certificate on the wall of a bodyshop.. something tells me there were steps taken in order to get it. And steps can be taken to remove it. Why can't the insurance companies police these places. It's all based on honesty, so why is the little guy always getting the shaft when he's honest. Something is obviously wrong with the system if this is usually the case. And if it's making front page news everyday, then it has to be fixed, as opposed to the shrugged shoulder approach the insurance industry is taking. That's not acceptable.

I don't have to describe to you how adjusters can pocket cash. Next you'll be telling me there's no such thing as a crooked cop. lol.

If i'm mailing a package worth 200 bux.... and i insure it... should i have to pay 200 for insurance? no.. thats nuts...

So why should someone have to pay 2000 bux a YEAR for a vehicle worth... 2000 BUX!!!!!!!!!

Privatization and the auto insurance industry just don't mix. Public run should be where it's at. Look no further than the 407 or hydro industry. Both privately owned with crazy rates! I'm starting to see a pattern here....

SiR-Racer

umm...WHY would someone ask insurance to cover the cost of their vehicle not working right?



you cant convince me that a civic with an INTAKE (yes a simple intake) warrants a premium jump from approx $2500 a year to about $5000 a year. sorry just not going to happen.



no thanks, not my bag of tea. but until i see PROOF (ie statistics) that modified vehicles (exhaust only) warrant a DOUBLING of premiums i'm not going to buy it.

Insuranceman

All a bodyshop has to do is prove they can get a car fully repaired and back out on the streets in days and they make the list ...again, we can't tell someone how to run their business

And you make these acusations against adjusters, but have not shown any proof .... auto adjusters sit behind a desk, their not out on the road with a chequebook ... The company makes it impossible to steal money, but again, since you said it, it MUST be true ... lol ... ...have any news articles on this or anything ot actually prove your point? no, didn't think so .....

And as far as a Public run insurance industry, have a look at BC ... then have a look at what they pay in Provincial Taxes, lol, .... you pay for it one way or another ....

Insuranceman

Cause that never happens, right? ...

Well, if the premium jumped that much I'm sure it wasn't just an intake, maybe some tickets and the location of the person....

Whats the most stolen vehicle on the market today?.... Maybe not a doubling of premium, but again, I'm sure it wasn't just an exhaust .....

SiR-Racer

if a person is dumb enough to ask insurance to fix their car because it's "not working right" it wont matter if they drive a modified car or not, they'll ask no matter what. and what difference does it make if they ask? you can just deny them.

and btw, it was just an intake. having the intake was considered "a performance modification that improved the power output of the engine, therefore my car was deemed high risk".

Insuranceman

First off, people will claim ANYTHING under insurance .... they figure, they might as well try, so why not, and yes we deny it, but then that sets them in the mindset that we have somehow wronged them so they get mad and tend to commit insurance fraud .... IF it was just an intake, I'd like to know the company's stance on other things, as the company I work for is in the top 5 in Canada and would have likely covered your vehicle ..... I had to say I commend you on even telling them you had the modification, most people would try to hide it .... We have vehicles that are modified to the point where the engine doesn't match the vehicle and we found Nitrous set ups in the engine, but we still covered the claim ....MInd you on the nitrous vehicle we cancelled the policy and the engine swap we asked for the proper paperwork to make sure the engine was not stolen ...

imported_gatherer

Insuranceman it looks like your losing the battle on this forum.... it's a no win situation because you work for the insurance comapny

to everyone else,

you all complain about rates and stuff and the amount of your premuims and being cancelled yet I hear over and over againthat you all stick to the same company (2 words first word starts with a S second with a F) as if your married to it ... well god damn it break out the divoirce papers and go to a company that will insure you ... not sure who? ask insurance man the dude has contacts to brokers in insurance that are not brokers for 1 company but are freelance and will work for you to find the right insurance..... if I bought a pinto and it fell apart the day after the warrenty expired would i buy another pinto??? NO way it's the same with insurance if you get bad service move on find a different company that will meet you needs and most importantly know what your needs are ... I drive a stock civic and I'm insured with a company that does not insure modified vehicles ...how do I know this??? because I asked .. do they know I race in solo 2, yes ... they also have informed me that insurance is not valid on the race track and that they don't offer insurance for that so I know I'm not covered when I'm competeing... (god help me if someone hits me in a parking lot away from solo 2 ) will I be modifying my car next year? you bet roll cage and all.... will I stick with the same company ..nope because they don't offer a product that caters to my needs so I'll find one that does.... if all the idiots that complain about prices got up and switched companies instead of seeking revenge through false claims and crap the insurance in this province would be much much lower......

SiR-Racer

the problem is that it's a good possibility that sooner or later there will be NO insurance companies that cater to modified cars. of course when i found out my insurance company wanted to double their rates i bailed ship instantly. the problem is i dont want to be a situation where there's gonna be no one out there willing to pick me up.

imported_jason_alt

Who goes out to asses the value of damage to a vehicle..

imported_gatherer

I believe thats a claim adjuster..... that does that... however tehy don't go out with the cheque cut....

Insuranceman

Actually its the apprasier, adjusters don't know jack **** about cars ... and the apprasier is the one who writes the estimate so he is the one who pays the bodyshop ....

imported_gatherer

so it's the apprasier thats scamming money with the bodyshop then lmao someone will twist that around to what I just said ..... however I believe there are checks and balances in that as well for cheques that are cut for bodyshops

Insuranceman

They are usually former body shop guys themselves so they have a good relationship with the shops ...if anyone can make the shops honest its the apprasier ....they don't scam money, the have too many people looking at their estimate deciding if its right ot not .....

imported_jason_alt

My mistake in confusing the terms of appraiser and adjuster .

Estimates or no estimates... scams are possible...

Nonetheless, the point is, the system sucks.... plain and simple. Nobody likes it, the rates are too high, and everyone is getting screwed. And i'd LOVE to know why they don't recognize prior G1 & G2 years of driving as credible driving experience when assessing your star rating. If you've been driving for 6 years and 2 of those years were as a g1/2 driver, you're not considered a 6 star driver.... only a 4 star. It's **** like this that pisses me off.

Insuranceman

Well G1, is obvious, you don't get credit because you can't drive on any highways and you always have to be with someone ..... I agree with the G2 experience however, but thats the governments rule, not insurance .... they just have to be the one that tells the consumer ....

And as far as scams, whatever, believe what you want, its virtually impossible unless you have about 10 people above you who are willing to do it with you because files and claims are audited so much that any overpayment or error is caught .... plus FSCO (Financial Services Commission of Ontario) also audits the same files ... so unless everyone is in on it, it doesn't happen ... but if you say so, then all these people must be wrong.....