insurance photos
01-Jun-2004, 07:15 PM
#1
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Join Date: Apr 2002
Posts: 12,906
insurance photos
well for once i have a positive thing about insurance... my broker found another company for me... they only want $202 a month 
with 3 tickets... so i'm enthused...
now the problem... they want me to physically bring my car there so they can take pictures... so pretty much when they see my car i'm uninsured by them i'm sure...
so what do i do? spend a couple hundred to get my car stock or hope for the best? i'd imagine the big things will be the springs and rims... but both of those were free to me so i wonder if that means anything...
with 3 tickets... so i'm enthused...now the problem... they want me to physically bring my car there so they can take pictures... so pretty much when they see my car i'm uninsured by them i'm sure...
so what do i do? spend a couple hundred to get my car stock or hope for the best? i'd imagine the big things will be the springs and rims... but both of those were free to me so i wonder if that means anything...
01-Jun-2004, 10:00 PM
#2
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Join Date: Mar 2003
Posts: 389
Most companies do this with vehicles less than 10 years old ... As far as what to do, its basically up to you ... Good luck, the only advice i can give you is they usually have designated shops where photos can be taken and you can ask the advice of the people who work there as to what to do and what not to do
02-Jun-2004, 11:30 AM
#4
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Join Date: Jan 2004
Location: North East
Posts: 2,578
DO insurance companies care at all about Rims and Body Kits?
Makes me wonder... my insurance is with my girfriends dad, and one time he was outside after I my rims/body kit were on. I remember him circling my car, but he didn't say anything.
Makes me wonder... my insurance is with my girfriends dad, and one time he was outside after I my rims/body kit were on. I remember him circling my car, but he didn't say anything.
02-Jun-2004, 02:13 PM
#5
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Join Date: Mar 2003
Posts: 389
well, if they see them on a car, and its not the stock/factory rims and lip kits, they may ask about them, as they increase the vlaue of the car and make it more of a target for theft ... depends how eloborate your rims and kit is ...
02-Jun-2004, 04:14 PM
#6
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Join Date: Dec 2003
Posts: 23,881
the people will come to your house if u dont wanna drive it to a designated shop...I was lazy and they came to my house and took pictures of my car...so they know damn well its near mint with no rust so come ever it gets hit they best be hookin me up proper compensation!
and my car was how it is now when they saw it and they dont care
and my car was how it is now when they saw it and they dont care
02-Jun-2004, 04:40 PM
#7
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Join Date: Apr 2002
Posts: 12,906
well the thing is for me to buy new springs... buy some steelies... after that i'd probably be close to my savings with this new company...
so i might just go and see... the thing is i dont care if any of it is insured cause i'd never go through insurance for anything cause its cheaper for me to just get a bank loan and pay that off...
maybe if they see how ****ty my car looks they'll give me cheaper insurance??
so i might just go and see... the thing is i dont care if any of it is insured cause i'd never go through insurance for anything cause its cheaper for me to just get a bank loan and pay that off...
maybe if they see how ****ty my car looks they'll give me cheaper insurance??
04-Jun-2004, 07:02 PM
#12
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Join Date: May 2004
Location: Maple
Posts: 464
ey i got quoted for insurance 5gz a year 
byut owell tha taint stoppin me wen i take pictures for them the exhaust wont make them suspicious or ne thing and du they take pics of the enggine cuz ima be swapping a zc next week :S
byut owell tha taint stoppin me wen i take pictures for them the exhaust wont make them suspicious or ne thing and du they take pics of the enggine cuz ima be swapping a zc next week :S
06-Jun-2004, 06:21 PM
#14
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Join Date: Dec 2003
Posts: 23,881
I only have liability and they always take pics of my car...they want proof that the car actually does exist...they take pics of the outside (paint colour, rust, damage etc), they check to see if dash vin matches door jamb vin, check odometer, they ask u if u have an alarm (starter kill, immobilizer etc.) if u have a stereo and the value other than that the lady didnt care that it was lowered, that it had exhaust or nuthin like that, she didnt pop the hood to see my big block 454 or nuthin LOL
relax man, its a simple thing that dont really mean much
relax man, its a simple thing that dont really mean much
08-Jun-2004, 01:59 PM
#16
Luka
Join Date: Aug 2003
Posts: 14,319
I got liability only with Kingsway and they didn't care to take any pics of anything...I also got a letter saying that I was overcharged $130. So, I'm primary driver (only driver actually) with liability only paying about $2450/year and I have 3 tickets and a 2 month suspension on my record from almost 3 years ago.
08-Jun-2004, 07:39 PM
#17
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Join Date: May 2003
Location: T.O
Posts: 1,052
Originally posted by shlammed
I got liability only with Kingsway and they didn't care to take any pics of anything...I also got a letter saying that I was overcharged $130. So, I'm primary driver (only driver actually) with liability only paying about $2450/year and I have 3 tickets and a 2 month suspension on my record from almost 3 years ago.
I got liability only with Kingsway and they didn't care to take any pics of anything...I also got a letter saying that I was overcharged $130. So, I'm primary driver (only driver actually) with liability only paying about $2450/year and I have 3 tickets and a 2 month suspension on my record from almost 3 years ago.
09-Jun-2004, 09:22 PM
#19
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Join Date: Apr 2002
Posts: 12,906
well this other place i'm at is $40/month cheaper then kingsway whom i was with... and ya kingsway didn't care i just sent them photos of when i bought my car and all was well....
ah well tomorrow i get to go in a pay for my first and last... i'm pretty stoked about it... bye bye last weeks pay :cry:
ah well tomorrow i get to go in a pay for my first and last... i'm pretty stoked about it... bye bye last weeks pay :cry:
10-Jun-2004, 06:18 PM
#20
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Join Date: Apr 2002
Posts: 12,906
man o man, for those pics my car has to be 100% stock... they said even an aftermarket shift **** was deemed a "modification" and as such no insurance for me...
although when they come my hood latch is gonna be broken so i can't pop my hood... *shucks* i guess i'll get some stock springs and just put them on the illumina's as well... i'll just say i painted my shocks white if they get that ****...
not sure about the rims though... i told them there value was $100 so maybe thats a non-issue.... or i could just borrow some steelies even...
hmmm i'm not even sure what else is a "mod".... i wonder if my crappy tire brake pads are a mod since they aren't oem
"the man" is making that nice new wrx coming seem that much better every day
although when they come my hood latch is gonna be broken so i can't pop my hood... *shucks* i guess i'll get some stock springs and just put them on the illumina's as well... i'll just say i painted my shocks white if they get that ****...
not sure about the rims though... i told them there value was $100 so maybe thats a non-issue.... or i could just borrow some steelies even...
hmmm i'm not even sure what else is a "mod".... i wonder if my crappy tire brake pads are a mod since they aren't oem
"the man" is making that nice new wrx coming seem that much better every day
