Fess Up? - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

Buddy2 · 04-21-2020, 11:23 AM

Do you guys report performance mods to your car to your insurance company? If you don’t, can they refuse a claim for a incident that is your fault? Just wondering.

sscamaro · 04-21-2020, 11:29 AM

I don't report any additional parts to my car.

Cyber10 · 04-21-2020, 12:15 PM

I have USAA and I don't have to report parts, if I ever had to file a claim that included those parts there is a separate amount that those are included in and I have the receipts for everything(when my wheels were stolen I believe this is what covered them vs them just paying for the oem equivalent).

2011SSCT · 04-21-2020, 12:34 PM

I was under the impression that letting my insurance company know about my mods would make my premium skyrocket. In the past I never mentioned the mods to my other cars to the insurance company.

I just called my insurance company last week because I wanted to get a quote to insure my Camaro for a higher value. With all the mods I've done I figured I had no choice with the crap that happened to me in the past(read below). God forbid it ever got stolen or I had a major accident, etc. I was paying $518.04 a year fully insured with the limits that my wife and I have on our leases which is 100/300/100.

The Camaro is now insured for 45K, the insurance company knows about the mods and my new yearly premium is $620.52 Worth the extra 100 bucks a year in my opinion. There is restrictions to the new premium though. I'm only allowed 7500 miles a year on the Camaro which is fine because I only put on 2000 or 3000 on it a year.

The reason I did this is because 2 years ago I bought a 2018 Mustang GT Pemium, it had the Recaro seats, etc. Put a Roush blower on it, full bolt-ons and a shit ton of suspension/drivetrain upgrades. The car had 680 miles on it and some asshole blew a light and took the whole front end off the car. Her insurance company tried to give me a check for 35K. I laughed as the Mustang itself was more than 44k. Even though the car only had 680 miles on it her insurance company said that's retail for a used Mustang. I got a lawyer, sued and got 50K for a car I drove 680 miles and had well over 60K invested in it.

I consider my insurance pretty cheap seeing I live CT. where insurance and everything else are expensive as Hell. I was told by the insurance company I got a really good price because of my clean driving record, my age(50), I'm a Veteran and was in LE at one time.

redcoats1976 · 04-21-2020, 01:30 PM

had a 1966 pontiac tempest with a swapped in 400 c.i/turbo 400 tranny,cam,headers,judge intake and carb.my insurance classified it as an economy car.

rickyrocket · 04-21-2020, 01:44 PM

Makes me thinking about USAA

2011SSCT · 04-21-2020, 04:29 PM

Quote:

Originally Posted by rickyrocket

Makes me thinking about USAA

I had USAA up until 3 years ago. Not nearly as good as it used to be.....

Coleroad · 04-21-2020, 04:38 PM

I use Hagerty for the camaro.

gunchamp · 04-21-2020, 05:57 PM

Allstate would cover a part that was bolted to the car as long as i had receipts. Not with them anymore, but years ago i had a blown camaro that caught fire. They paid me for most of the mods. Was a good bit extra when the car was totaled

Moto-Mojo · 04-21-2020, 06:40 PM

Kind of a loaded question. Though NOTHING shocks me anymore, I’d expect that as long as your car fit the legal description of ‘street legal’, you’re still insured. I mean, back when I put cow magnets on my fuel line inlet to the carburetor, did I tell my insurance company? No.

Bonus points for who knows about cow magnets!

Avenging Orange · 04-21-2020, 06:54 PM

I live by the simple rule....Dont ask, don't tell.

TheFlyingBananaSS · 04-21-2020, 07:13 PM

Quote:

Originally Posted by Coleroad

I use Hagerty for the camaro.

Ditto.

kingofthelv · 04-21-2020, 07:52 PM

Quote:

Originally Posted by gunchamp

Allstate would cover a part that was bolted to the car as long as i had receipts. Not with them anymore, but years ago i had a blown camaro that caught fire. They paid me for most of the mods. Was a good bit extra when the car was totaled

how did your car catch fire?

Dogmeat · 04-22-2020, 05:49 AM

I have Grundy insurance for my '79 Vette.....I originally had it insured for $15k.....THEN I put a 383 with a lotta new parts, totally rebuilt the entire suspension, and other stuff.....so I then asked for coverage of $23k.....not only did they oblige, without asking any questions, but the rate actually LOWERED, and they sent me a rebate check toward what I'd already paid....I was totally caught off guard!!

04-21-2020, 11:23 AM	#1
Buddy2 Drives: 2012 camaro convertible 45th Ed. Join Date: Nov 2013 Location: Wi. Posts: 83	Fess Up? Do you guys report performance mods to your car to your insurance company? If you don’t, can they refuse a claim for a incident that is your fault? Just wondering. __________________ CAI Intake, MagnaFlow Exhaust

04-21-2020, 11:29 AM	#2
sscamaro Drives: 2010 2SS, 2017 Silverado LTZ Join Date: Jan 2007 Location: Denver,PA Posts: 3,195 View My Garage	I don't report any additional parts to my car. __________________ 2010 2SS/RS Victory Red, MN6, 1-7/8 Kooks LT Headers, SLP Axle Back, Edelbrock E-Force S/C, ZL1 Fuel Pump, 72# Injectors, JRE fuel rail upgrade, Roto-Fab CAI, Elite Catch Can, Billet Hurst Shifter, DSS 1000HP axles, Spohn Trailing Arms, Toe Links, Lower Control Arms. Chrome American Racing Torq-Thrust wheels. 546/rwhp & 522/rwtq & 10.9# boost Tune by Jeremy Formato.

04-21-2020, 12:15 PM	#3
Cyber10 Drives: 2010 Camaro 2SS/RS Join Date: Mar 2016 Location: Indianapolis Posts: 288	I have USAA and I don't have to report parts, if I ever had to file a claim that included those parts there is a separate amount that those are included in and I have the receipts for everything(when my wheels were stolen I believe this is what covered them vs them just paying for the oem equivalent). __________________ 491 hp/438 tq LS3 Conversion \| Comp Cam Custom Grind \| Mast Heads \| Comp Cam Push Rods \| LS7 Timing Chain \| 180 Thermostat \| Ported Intake \| Ported TB \| SLP UDP \| K & N CAI \| Custom 3800 Stall Converter \| Aluminum 1 Piece Driveshaft \| Kooks 1 7/8" LTH \| High Flow Cats \| ARH 3" Exhaust \| ARH Mufflers \| Eibach Lowering Springs \| BMR Floor Brace Subframe Connectors with Tunnel Brace \| BMR Moly Lower Rear Control Arms \| Oracle LED Halo Kit

04-21-2020, 12:34 PM	#4
2011SSCT Drives: 2011 Camaro 2SS/RS Join Date: Feb 2020 Location: Milford, CT Posts: 43	I was under the impression that letting my insurance company know about my mods would make my premium skyrocket. In the past I never mentioned the mods to my other cars to the insurance company. I just called my insurance company last week because I wanted to get a quote to insure my Camaro for a higher value. With all the mods I've done I figured I had no choice with the crap that happened to me in the past(read below). God forbid it ever got stolen or I had a major accident, etc. I was paying $518.04 a year fully insured with the limits that my wife and I have on our leases which is 100/300/100. The Camaro is now insured for 45K, the insurance company knows about the mods and my new yearly premium is $620.52 Worth the extra 100 bucks a year in my opinion. There is restrictions to the new premium though. I'm only allowed 7500 miles a year on the Camaro which is fine because I only put on 2000 or 3000 on it a year. The reason I did this is because 2 years ago I bought a 2018 Mustang GT Pemium, it had the Recaro seats, etc. Put a Roush blower on it, full bolt-ons and a shit ton of suspension/drivetrain upgrades. The car had 680 miles on it and some asshole blew a light and took the whole front end off the car. Her insurance company tried to give me a check for 35K. I laughed as the Mustang itself was more than 44k. Even though the car only had 680 miles on it her insurance company said that's retail for a used Mustang. I got a lawyer, sued and got 50K for a car I drove 680 miles and had well over 60K invested in it. I consider my insurance pretty cheap seeing I live CT. where insurance and everything else are expensive as Hell. I was told by the insurance company I got a really good price because of my clean driving record, my age(50), I'm a Veteran and was in LE at one time. __________________ L99 to LS3, Whipple 2.9 Blower with 3.750 pulley, ID1050x injectors, JRE Rough Idle Blower Cam, BTR Bronze Bushing Trunnion Kit , JRE/BTR .660 Springs, BTR Pushrods, Melling High Volume Oil Pump, ZL1 Fuel Pump, JRE FPCM, JMS BAP, JRE 90MM Ported Throttle Body Circle D 3200 Stall Converter, Ceramic Coated Kooks Long Tubes, Kooks Full Exhaust with Hi Flow Cats, Cold Air Inductions Intake With JRE Scoop, JRE Built Rear Differential with Billet Caps, 3:91 Gears and Eaton TrueTrac Posi, JRE Dyno Tune, Moroso Wires, Moroso Catch Can, Factory Reproductions Gloss Black ZL1 Wheels. 659WHP/566TQ

04-21-2020, 01:44 PM	#6
rickyrocket Drives: 2015 blk 1 SS Join Date: May 2012 Location: Coventry RI Posts: 1,309	Makes me thinking about USAA __________________ 15 1 SS

04-21-2020, 01:30 PM	#5
redcoats1976 Drives: LT W/2LT,blue metallic Join Date: Jul 2016 Location: central florida Posts: 4,915	had a 1966 pontiac tempest with a swapped in 400 c.i/turbo 400 tranny,cam,headers,judge intake and carb.my insurance classified it as an economy car.

04-21-2020, 04:38 PM	#8
Coleroad Drives: 13 Camaro Join Date: Oct 2016 Location: Colorado Posts: 315	I use Hagerty for the camaro.

04-21-2020, 05:57 PM	#9
gunchamp Drives: 15 Camaro SS Join Date: Oct 2018 Location: Mountains of central PA Posts: 1,442	Allstate would cover a part that was bolted to the car as long as i had receipts. Not with them anymore, but years ago i had a blown camaro that caught fire. They paid me for most of the mods. Was a good bit extra when the car was totaled __________________ 15 Camaro SS- GPI max top end, ESS Vortech V3 9psi, ID 1050s, ZL1 pump, JMS bap, Long tubes, Corsa extreme, Circle D pro 5C, 391 rear, DSS carbon drive shaft, poly cradle bushings, tuned by Ted Jannetty and much much more

04-21-2020, 06:40 PM	#10
Moto-Mojo Fast Cars and Old Guitars Drives: 2015 2SS RS (L99, baby!) Join Date: Apr 2012 Location: N. CA Posts: 3,974	Kind of a loaded question. Though NOTHING shocks me anymore, I’d expect that as long as your car fit the legal description of ‘street legal’, you’re still insured. I mean, back when I put cow magnets on my fuel line inlet to the carburetor, did I tell my insurance company? No. Bonus points for who knows about cow magnets! __________________ “I don’t want to belong to any club that would have me as a member.” - Groucho Marx

04-21-2020, 06:54 PM	#11
Avenging Orange Drives: 2010 Inferno Orange 2SS/RS Join Date: Apr 2010 Location: Clermont, IN Posts: 3,297	I live by the simple rule....Dont ask, don't tell. __________________ 2010 Inferno Orange 2SS/RS M6 Black Leather, Sun Roof, OBX Headers, Borla touring axle back, Cold Air Inductions CAI , non synthetic fluids, BMR total bushing upgrade/1" lowering springs, DSE 32mm rear sway bar. GM fe4 shocks/struts/LCA's, AAM 3.91 diff, Vertini RFS1.8 20x9 +30. Conti ExtremeContact Sport 275/35/20. sjm autoprod ABL dash kit. Mike Norris tuned 413/419. Avenging Orange: 43 years of not buying into the Hype........and damn proud of it!! https://youtu.be/9JD9it6SmB8 https://youtu.be/xmelTlEzI34 KICKING CANCERS ASS SINCE 2015!!

04-22-2020, 05:49 AM	#14
Dogmeat Drives: 2011 RS Join Date: Jun 2018 Location: Coldwater Mi Posts: 175	I have Grundy insurance for my '79 Vette.....I originally had it insured for $15k.....THEN I put a 383 with a lotta new parts, totally rebuilt the entire suspension, and other stuff.....so I then asked for coverage of $23k.....not only did they oblige, without asking any questions, but the rate actually LOWERED, and they sent me a rebate check toward what I'd already paid....I was totally caught off guard!! __________________ Proud Owner Of '11 Camaro