Insurance and superchargers

jrs580 · 01-09-2017, 03:00 PM

What's everyone doing as far as your insurance goes when you get your supercharger installed? I would hate for a hailstorm to total the car and them not pay for the full replacement.

Mark114 · 01-09-2017, 03:27 PM

That might be a better question for your insurance company as there is so much variation in how specific policies cover the car.

LesBaer · 01-09-2017, 03:59 PM

I got a rider added to my policy for all my mods. Even with my expensive wheels added on top of everything else, I'm only paying an extra $150 a year. The 1st tier people you talk to on the phone don't know about this stuff. You have to ask them for it and then they go to their manager who explains what to do. You save big time doing this vs. someone who buys a Z06 or ZL1 since there's no risk impact to your premium from your mods.

Perdieu · 01-09-2017, 04:30 PM

^^^ did the same thing today, added 20K more coverage for the up coming build $134 per year extra

laynlo15 · 01-09-2017, 08:43 PM

Nothing, I'll suck it up if something happens. I just want my money back for what the car is worth. I just don't want them looking at my mods, period

LesBaer · 01-10-2017, 06:47 AM

Quote:

Originally Posted by Perdieu

^^^ did the same thing today, added 20K more coverage for the up coming build $134 per year extra

Very nice...that's around where I was at before I got the wheels added. I have one of the more common insurance carriers. The way they worked was that they didn't care if I paid less than retail for the parts. They just asked for retail price quotes and said that's what they would cover, which was fine by me since they wouldn't include any labor costs. At least it's something.

Quote:

Originally Posted by laynlo15

Nothing, I'll suck it up if something happens. I just want my money back for what the car is worth. I just don't want them looking at my mods, period

Trust me, the way it works they don't factor it into risk at all. You don't have to plug one of those things into your OBD2 port or anything. You're just buying a dollar amount of added coverage. It's designed for people with collector type cars so the generic insurance companies can compete with the specialized companies (like a Haggerty) at a lower cost. They keep the quote as an attachment for reference if needed during a claim only. I spoke to people that work at my insurance company and there's no flag anywhere in the system for a person that mods with performance improving parts. The specific risk level that's associated with the car is all based off of the VIN#. The rest is stuff they already have on you like your driving record, your age, location, etc.

Just think about it - for example only - If you have a lapse in judgement and wreck your car doing 150mph doing something stupid on the road, you'll be screwed anyway, but at least you'll get paid for your losses. Performance modded cars are also stolen all the time.

cooden · 01-10-2017, 07:40 AM

Thanks for posting this, I just reached out to my Allstate agent. I told him I would have $18K in upgrades after my supercharger gets installed. He said he is going to call and find out because $18K is a lot of aftermarket stuff, but he said the most important thing is to keep EVERY receipt for proof.

LesBaer · 01-10-2017, 07:57 AM

Quote:

Originally Posted by cooden

Thanks for posting this, I just reached out to my Allstate agent. I told him I would have $18K in upgrades after my supercharger gets installed. He said he is going to call and find out because $18K is a lot of aftermarket stuff, but he said the most important thing is to keep EVERY receipt for proof.

Oh good, I hope it works out for you. They might call it something else other than a rider. That was Geico's term for it. Liberty Mutual also offers it and they were half the price of Geico after a few years. I guess you have to switch now every so often because they all start low and then raise the price on you.

oneredry · 01-10-2017, 08:05 AM

I did as well. I just had to email my agent recepts of doing such. now all that stuff is covered as well. He said it didn't add any thing for my semi annual bill. (I run with State Farm.)

crash0117 · 01-10-2017, 10:54 PM

I got a rider policy as well for an additional 40K coverage. do pay an extra $500 a year for it though.

laynlo15 · 01-11-2017, 05:27 AM

I guess I'll have to look into it.

MiamiBlueCamaro · 01-11-2017, 06:36 AM

Quote:

Originally Posted by laynlo15

Nothing, I'll suck it up if something happens. I just want my money back for what the car is worth. I just don't want them looking at my mods, period

+1

TECHTURTLE · 01-11-2017, 11:14 AM

I highly suggest a rider. When I totaled my 2013 Camaro SS the insurance company (ASAA) only gave me an additional 5 grand for all my mods. I had over 18K in receipts for the stuff I installed.

clanky · 01-11-2017, 01:03 PM

Quote:

Originally Posted by TECHTURTLE

I highly suggest a rider. When I totaled my 2013 Camaro SS the insurance company (ASAA) only gave me an additional 5 grand for all my mods. I had over 18K in receipts for the stuff I installed.

Guess I dont understand fully. You had the additional coverage added and then when you totaled it they only have you less than 1/3 of what you had added? How does that pan out?

01-09-2017, 03:00 PM	#1
jrs580 Drives: 2016 2ss Join Date: Jun 2016 Location: Somewhere Over the Rainbow Posts: 320	Insurance and superchargers What's everyone doing as far as your insurance goes when you get your supercharger installed? I would hate for a hailstorm to total the car and them not pay for the full replacement. __________________ 2016 Black Camaro 2SS A8 Red interior Modifications:Red powder coated Whipple LT1 blower, Aeroforce interceptor w/vent pod, FI Interchiller, Roto-Fab breather, ARH full length headers with high flow cats, JRE AFM modules, Borla S type NPP exhaust, Mishimoto catch can, JMS fuel pump voltage booster,MRR 017 1LE replica rims, 285/35zr20 Goodyear Eagle F1 G:2 front, Toyo r888r 325/30/zr20 back, Phastek blackout kit for the reflectors, GM dark tail lamps, Blendmount radar detector mount with Escort Redline hardwired in.

01-09-2017, 03:59 PM	#3
LesBaer FMPG Drives: 2016 2SS Join Date: Dec 2015 Location: CT Posts: 1,888	I got a rider added to my policy for all my mods. Even with my expensive wheels added on top of everything else, I'm only paying an extra $150 a year. The 1st tier people you talk to on the phone don't know about this stuff. You have to ask them for it and then they go to their manager who explains what to do. You save big time doing this vs. someone who buys a Z06 or ZL1 since there's no risk impact to your premium from your mods. __________________ Ordered 3/8/16- NFG/Ceramic White, M6, MRC, NPP, 6 pots, blk blade, no sunroof, blk splitter, blk bow ties, dark tails, nav. ARH 1 7/8" ceramic coated full sys w/NPP; Maggie 9.2psi (85mm); Jannetty rough idle cam(TSP), tune and LT4 fuel system; Forgeline VX1 Black PVD (20x10,11); R88R 315's; ALPriority; BMR rear arms, bushings, DS loop; RF intake (red); nGauge 93 octane: 712rwhp, 654rwtq / E85 (E66 mix): 734rwhp, 674rwtq (SuperFlow Dyno)

01-09-2017, 08:43 PM	#5
laynlo15 Drives: 2022 Lt1 A10 Join Date: Nov 2015 Location: clark, mo Posts: 8,860	Nothing, I'll suck it up if something happens. I just want my money back for what the car is worth. I just don't want them looking at my mods, period __________________ 2022 Lt1 6.2 A10, Maggie 2300, THPSI Port Inj/10 rib, Rotofab, E, Nickey, SCOL, Griptech, RC Bandits, Hoosiers/MT 9.80@142.96 1.44 60ft, 6.34@112 707/669 RWHP/TRQ. 16SS Maggie 2650 9.41@147 1.35 60ft, 5.99@119. 16 C7 A8 10.90@128 Bolt on stuff

01-10-2017, 07:40 AM	#7
cooden Drives: '16 Camaro 2SS & '15 Durango R/T Join Date: Jul 2016 Location: Rochester, NY Posts: 505	Thanks for posting this, I just reached out to my Allstate agent. I told him I would have $18K in upgrades after my supercharger gets installed. He said he is going to call and find out because $18K is a lot of aftermarket stuff, but he said the most important thing is to keep EVERY receipt for proof. __________________ '16 2SS: Summit White/Adrenaline Red/A8/Whipple Supercharger/ARH Longtube Headers/Corsa Xtreme Exhaust/Roto-Fab Cold Air Intake/Eibach Pro Kit/M228 Wheels/Lots of GM Accessories

01-10-2017, 08:05 AM	#9
oneredry HYPER SS Drives: 2016 Supercharged 2SS Join Date: Feb 2014 Location: Troy OH Posts: 1,252	I did as well. I just had to email my agent recepts of doing such. now all that stuff is covered as well. He said it didn't add any thing for my semi annual bill. (I run with State Farm.) __________________ Ordered: 1/15/2016 2000 status 02/01/16 3000 status 02/29/16 3400 status 03/07/16 TPW of 03/14/16 4200 status 03/17/16 in transit! Delivered 03/23/16 2SS Hyper Blue \| 6M \| NPP \| Mag ride \| ceramic white Int. \| Black out bow ties \| P3 Gauge\| Front splitter. \| 6 pot upgraded brembo brakes. \| Magnuson Supercharger/95MM pulley \| Rotofab Intake \| ZL1 side skirts \| HRE FF04 wheels - Michelin PSS4 \| ZL1 add ons rock guards and lift points. \| AWE touring - resinated catback with link pipes.

01-09-2017, 03:27 PM	#2
Mark114 Drives: 2016 2SS Convertible Join Date: May 2012 Location: St. Louis, MO Posts: 1,710 View My Garage	That might be a better question for your insurance company as there is so much variation in how specific policies cover the car.

01-09-2017, 04:30 PM	#4
Perdieu Drives: 2017 Nightfall Grey Auto 2SS Join Date: Mar 2012 Location: Blue Springs MO. Posts: 525	^^^ did the same thing today, added 20K more coverage for the up coming build $134 per year extra

01-10-2017, 10:54 PM	#10
crash0117 Drives: 2016 1SS Camaro Join Date: May 2016 Location: Ralegh, NC Posts: 100	I got a rider policy as well for an additional 40K coverage. do pay an extra $500 a year for it though.

01-11-2017, 05:27 AM	#11
laynlo15 Drives: 2022 Lt1 A10 Join Date: Nov 2015 Location: clark, mo Posts: 8,860	I guess I'll have to look into it. __________________ 2022 Lt1 6.2 A10, Maggie 2300, THPSI Port Inj/10 rib, Rotofab, E, Nickey, SCOL, Griptech, RC Bandits, Hoosiers/MT 9.80@142.96 1.44 60ft, 6.34@112 707/669 RWHP/TRQ. 16SS Maggie 2650 9.41@147 1.35 60ft, 5.99@119. 16 C7 A8 10.90@128 Bolt on stuff

01-11-2017, 11:14 AM	#13
TECHTURTLE Drives: 2016 Camaro 2SS Join Date: Dec 2013 Location: OTP Atlanta Posts: 862 View My Garage	I highly suggest a rider. When I totaled my 2013 Camaro SS the insurance company (ASAA) only gave me an additional 5 grand for all my mods. I had over 18K in receipts for the stuff I installed. __________________ 2016 2SS 6-Speed Manual... Magnetic Ride Control, Dual Mode Exhaust, Sunroof, Adrenaline Red Interior, Mylink W/Navigation Added Edelbrock E-Force Supercharger, GM 1LE Sway Bars, BMR Upper/Lower Trailing Arms, BMR Upper Control Arms. BMR Front/Rear Chassis Braces, BMR Tunnel Brace. GM Red knee Pads, GM Black Front Splitter, GM SEMA Concept Grille, GM Dark Taillights, GM Ground Effects package... Savini Di Forza BM-14 Gloss Black Wheels 9's front, 10's rear.

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