Insurance...and mods...
12-02-2012, 03:26 PM
#1
Insurance...and mods...
Don't really want to ask my insurance company this question...
I've added a new exhaust, APR tune and pulley...do I need to add something to my insurance policy if the car is damaged/wrecked? Will they repair with the additions? Thanks.
I've added a new exhaust, APR tune and pulley...do I need to add something to my insurance policy if the car is damaged/wrecked? Will they repair with the additions? Thanks.
12-02-2012, 04:04 PM
#2
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Yes but you have to tell the insurance company on how much extra it costs. I had to do it with USAA and they covered everything since I told them about it and had the receipts saved.
12-02-2012, 04:38 PM
#4
My own experience, and that of my friends, is that insurance companies are usually pretty explicit and will not reimburse you for any mods even if you have receipts. You need to notify them and they'll add a few dollars to your monthly premium if you want mods to your car covered. I'm not talking performace mods either, I mean stuff like upgraded stereos, etc. I know a few people who have had their cars stolen or wrecked and the insurance company just wrote them a check for he replacement talue of the vehicle as if it was stock.
12-02-2012, 04:52 PM
#5
12-02-2012, 05:41 PM
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I had APR stage 3+, Spec stage 3+ clutch, 8 lbs flywheel, H&R RSS coil overs, 28mm sway bar, 3" APR tb exhaust, pretty much you named it I had it and they covered every dime but I had to tell them what I did and show receipts and I also did pay roughly around $90.00 a month more but with USAA it was a drop in the bucket. I dont know how much it will cost you with a S4 but just talk to them usually they are super chill. Good luck
12-02-2012, 06:29 PM
#7
AudiWorld Super User
No point in guessing as it all depends on what your policy states. Some policies explicitly exclude all non factory add-ons, some exclude specific ones, i.e. sound equipment, and some make no mention of exclusions at all. Some will offer an extra rider with additional premium cost for specific add-ons and some won't. In any case, your policy will always rule.
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12-02-2012, 07:11 PM
#8
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I know with stereo's GEICO insists on a professional installation. I had to argue with them and create my own receipt from my company when I installed my gear.
They initially argued that I wasn't considered a professional until I showed my credentials and LLC.
They initially argued that I wasn't considered a professional until I showed my credentials and LLC.
12-03-2012, 05:54 AM
#9
I had APR stage 3+, Spec stage 3+ clutch, 8 lbs flywheel, H&R RSS coil overs, 28mm sway bar, 3" APR tb exhaust, pretty much you named it I had it and they covered every dime but I had to tell them what I did and show receipts and I also did pay roughly around $90.00 a month more but with USAA it was a drop in the bucket. I dont know how much it will cost you with a S4 but just talk to them usually they are super chill. Good luck
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