Traffic tickets, accidents, insurance Discuss legal issues, emissions testing, illegal modifications, etc....

TD wont insure me because of exhaust

Old 20-May-2009, 12:34 PM
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TD wont insure me because of exhaust

So, I just found out TD insurance wont insure me of my exhaust. Now, i'm scrambling to find a insurance company and quick. Anybody know a good insurance company that will accept minor mods?
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Old 20-May-2009, 12:36 PM
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Lame.

Did you tell them about your exhaust, or did they come out and inspect your car?
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Old 20-May-2009, 01:21 PM
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Blonde Moment. I told them figuring they already knew
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Old 20-May-2009, 01:26 PM
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better off telling them anyway. The last thing you'd want is to get into an accident and then find out that your coverage is void because of mods that weren't declared.
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Old 20-May-2009, 10:04 PM
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most insurance companies dont accept mods...

TD are real picky tho... u need to take it somewhere for them to inspect it! They would have found out either way.

They have really good prices tho.
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Old 20-May-2009, 11:05 PM
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Give state farm a call.
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Old 20-May-2009, 11:13 PM
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My brother went for inspection today for TD. With aftermaket rims/steering wheel n the guy didn't even pop the hood. Ended off talking about the guys prelude and his mods loll.
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Old 21-May-2009, 12:46 AM
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Originally Posted by CivicsGalor3 View Post
So, I just found out TD insurance wont insure me of my exhaust. Now, i'm scrambling to find a insurance company and quick. Anybody know a good insurance company that will accept minor mods?
Economical, belairdirect...allstate. they all do, but will most likely inspect your car. they didnt care about my exhaust at all. They seemed to be more concerned about the system, deck...& rims.
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Old 21-May-2009, 12:47 AM
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Originally Posted by Fryeri View Post
Give state farm a call.
yeah that!

state farm isn't big on mods... but an exhaust, intake and lowering is considered "okay"
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Old 21-May-2009, 10:48 AM
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Originally Posted by Fryeri View Post
Give state farm a call.
lol?
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Old 21-May-2009, 10:55 AM
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Originally Posted by shlammed View Post
lol?
What's so funny?

When I had my Acura, State Farm allowed me to have coilovers, full aftermarket exhaust and intake. No extra premium charges either.
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Old 21-May-2009, 11:45 AM
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Originally Posted by scrid3r View Post
My brother went for inspection today for TD. With aftermaket rims/steering wheel n the guy didn't even pop the hood. Ended off talking about the guys prelude and his mods loll.
Same situation with a good friend. The guys who did the inspection put jacks under her car to get it at stock ride height, they bolted on steelies and left the hood shut. No issues.. haha
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Old 21-May-2009, 02:22 PM
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Originally Posted by orthow View Post
Same situation with a good friend. The guys who did the inspection put jacks under her car to get it at stock ride height, they bolted on steelies and left the hood shut. No issues.. haha
rims are not an issue.. they are esthetics. Insurance has no issue with esthetics as long as they are not an obstruction to the driver or other drivers on the road considering that makes it illegal

but yeah... not too sure why you had to hide your rims
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Old 21-May-2009, 02:29 PM
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State Farm has all my EG mods and everytime I did something to the car I showed them receipts. My broker has been good to me.
Not to mention my last EG that got tottaled by some drunk driver, SF gave me a little over 5'gs for my ride taking in'to consideration the mods that where on it. Thats why I got such a good return
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Old 21-May-2009, 02:53 PM
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Originally Posted by Polkaroo Killa View Post
What's so funny?

When I had my Acura, State Farm allowed me to have coilovers, full aftermarket exhaust and intake. No extra premium charges either.

whats funny is that they wanted me to pay $8000/year for a 1998 civic 4 years ago when the actual policy i got from another company was $1500
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Old 21-May-2009, 02:56 PM
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Originally Posted by shlammed View Post
whats funny is that they wanted me to pay $8000/year for a 1998 civic 4 years ago when the actual policy i got from another company was $1500
Really?!?! Holy cow!

I'm paying $100/mo for my car now with State Farm.
And I was paying $90/mo for my Acura EL about 5 years ago.
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Old 21-May-2009, 03:07 PM
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ya

I couldn't believe it. I was asking if it was some kind of mistake and he was like "nope". So I laughed at him on the phone and hung up.
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Old 21-May-2009, 03:50 PM
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Originally Posted by shlammed View Post
ya

I couldn't believe it. I was asking if it was some kind of mistake and he was like "nope". So I laughed at him on the phone and hung up.
I would have done the same thing.

I swear some insurance companies are on crack.
So they quoted $8000/year for a 7 year old Civic (at the time), when the car was probably worth $4-5000.....it just makes no sense at all!!
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Old 21-May-2009, 04:03 PM
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They're funny no matter what the situation. I still have the civic and it's falling apart. I'm getting rid of it once I make my mind up about what car I want.

I got quotes from my company for cars like C230 and new Accord and the rates weren't much higher meanwhile my car is worth 1/30th of those.
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Old 21-May-2009, 04:56 PM
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Originally Posted by shlammed View Post
whats funny is that they wanted me to pay $8000/year for a 1998 civic 4 years ago when the actual policy i got from another company was $1500
Thats ridiculous.
Where you under 21 then??
4 years a'go for my EG full coverage was $725 bucks a year at SF.
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