Will aftermarket bumpers affect insurance coverage?
11-Apr-2006, 07:32 PM
#1
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Join Date: Oct 2005
Posts: 175
Will aftermarket bumpers affect insurance coverage?
I am due for a visual inspection. I have a mild bodykit (Kombat). Have no performance modifications. Will the insurance underwriters refuse coverage? It is my first car, not too fond of the bodykit, but also not too fond to make it stock.
11-Apr-2006, 07:39 PM
#2
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Location: soon to be banned camp!!!
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your due for a visual inspection? My insurance company has NEVER seen my car in person, just pictures. and they never asked to see my car at all and they know its modified.
and no i wont tell you who im insured with.
and no i wont tell you who im insured with.
11-Apr-2006, 08:53 PM
#5
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alot of the time on cars 10yrs or older they require a visual inspection so they know what exactly they are insuring (a **** box or not)...they come take pictures, not any damage, rust etc on the car...km's alarm system mods etc and they send it back to the company for their file...so if/when a claim is made they can have a base for a claim decesion
11-Apr-2006, 09:43 PM
#6
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Originally posted by Cynikal.Mindset
alot of the time on cars 10yrs or older they require a visual inspection so they know what exactly they are insuring (a **** box or not)...they come take pictures, not any damage, rust etc on the car...km's alarm system mods etc and they send it back to the company for their file...so if/when a claim is made they can have a base for a claim decesion
alot of the time on cars 10yrs or older they require a visual inspection so they know what exactly they are insuring (a **** box or not)...they come take pictures, not any damage, rust etc on the car...km's alarm system mods etc and they send it back to the company for their file...so if/when a claim is made they can have a base for a claim decesion
11-Apr-2006, 11:36 PM
#7
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Location: North York
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my insurance only took pics of my car when i first got it insured... exterior only... no interior or engine bay pics... which to me would be the first place to take pics... interior mods and engine mods are usualy the reason why a car gets broken into but i guess they don't see that.. they just want to see the condition of the exterior incase of accident.. but i have no idea if it will effect your coverage
11-Apr-2006, 11:52 PM
#8
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Originally posted by 1PhatCX
weird, my company never did that, the only time they took pics was when i smashed the 4dr so they could give me an estimate on the dammage, thats it
weird, my company never did that, the only time they took pics was when i smashed the 4dr so they could give me an estimate on the dammage, thats it
12-Apr-2006, 10:24 AM
#9
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Location: North East
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^^^ Good point .. I like in Buttfaq nowhere and they Allstate came to take pictures of my car.
Its just used as a base so if you ever make a claim they will usually have records of the condiiton that car was in previously.
Its just used as a base so if you ever make a claim they will usually have records of the condiiton that car was in previously.
26-Apr-2006, 05:48 PM
#12
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YEAH IF U HAVE TO TAKE YOUR CAR INTO AN INSPECTION STATION TO TAKE PICS OF YOUR CAR THATS JUS PROOF THAT THE INSURANCE COMPANY IS ACTUALLY INSURING SOMTHING..THEY WILL ALWAYS INSIST TO GIVE U THE LEAST AMOUNT OF $$$OF WHAT YOUR CAR IS LISTED IN THE BLACK BOOK OR BLUE BOOK VALUES..USUALLY THEY WILL ASK IF U HAVE STEREO OR RIMS/TIRE MODIFICATIONS CUZ USUALLY THATS WHAT GETS STOLEN OR WHAT PEOPLE DO INSURANCE SCAMS ON ...SO YEAH !!
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