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Amount of insurance?

Discussion in 'Members' Lounge' started by chestercheeto48, Mar 4, 2004.

What level of Insurance do you carry on your car?

  1. none

    100.0%
  2. liability

    0 vote(s)
    0.0%
  3. avarage coverage

    0 vote(s)
    0.0%
  4. full coverage

    0 vote(s)
    0.0%
  5. full coverage with a rider to cover m

    0 vote(s)
    0.0%
  1. chestercheeto48

    chestercheeto48 Senior Member VIP

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    Hey everyone, I am always reading about stuff getting stolen or even cars getting stolen. I am just wondering what you all carry for insurance on your ride.
     
  2. jamesA

    jamesA Well known pissed off telephone guy VIP

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    <----one of the 3 (as of now) with full coverage.
     
  3. Hatchbacks Anonymous

    Hatchbacks Anonymous Senior Member

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    In california, the Insurance companies only cover UP TO $1000 for aftermarket parts reguardless. I have only herd of people saying "If you tell them about it, they will cover it" but the only times I have herd that, its from people that dont know the difference between full coverage and liability.

    I just read a new guidline from allstate yesterday that was stating that we only cover up to $1000 of aftermarket stuff and performance mods are not covered.

    Their is no coverage if you get in an accident while racing. EVEN at a track.

    I have yet to see a company that covers more than $1000 of aftermarket mods.

     
  4. pissedoffsol

    pissedoffsol RETIRED

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  5. pissedoffsol

    pissedoffsol RETIRED

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    but the 240 only has liab
     
  6. chestercheeto48

    chestercheeto48 Senior Member VIP

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    I know that my brother was worried because he has a 2xxx paint job and was wondering if he needed to report it.
     
  7. dohcvtec_accord

    dohcvtec_accord WRX Sellout

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    Full, since I'm still paying it off.
     
  8. b18c1civic97

    b18c1civic97 Senior Member

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    I have full cover on my del sol, and only liability on my civic ex because its stripped and just sitting there since recovered stolen.
     
  9. hcivic.com

    hcivic.com Senior Member

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    i have 2 with none and i with liability

    track car and 4x4 dont need coverage
    (when i want to use them i let my companry know and they move coverage over for the day
     
  10. Hatchbacks Anonymous

    Hatchbacks Anonymous Senior Member

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    <----PM for free insurance quotes for CA.
     
  11. h22bubbleback

    h22bubbleback Senior Member

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    only liability...NJ insurance is so expensive...also, company like geico wont even pick up the phone if the caller ID says NJ...can only get scrub insurnace Co.'s here
     
  12. jeffie7

    jeffie7 Wrong Whole! VIP

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    Im waiting for all the none insured guys to get on lol

    seems hondaswap has tons of guys running around with out any insurance
     
  13. Hatchbacks Anonymous

    Hatchbacks Anonymous Senior Member

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    A lot of my friends dont have insurance. They're crazy!!
     
  14. swanny

    swanny Senior Member

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  15. Smonkeyboy

    Smonkeyboy Senior Member

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    i have full on the teggie,

    but once i get the 240 itl probablly only be liability, maybe cloission.
     
  16. Hatchbacks Anonymous

    Hatchbacks Anonymous Senior Member

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    Collision. It covers YOUR car for repairs.
     
  17. 90 accord

    90 accord Chicks dig the box Moderator VIP

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    full with the rider? to cover mods..
     
  18. chestercheeto48

    chestercheeto48 Senior Member VIP

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    you know a rider = extra lingo to cover mods or add ons. I know they do this with like restored cars otherwise ins co. would get a way with murder if one of those crashed.
     
  19. Smonkeyboy

    Smonkeyboy Senior Member

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    yeah thats the one.


    fuck comprehensive. (if its my fault)
     
  20. ahedau

    ahedau Senior Member

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    comprehesive is "other than collision" i.e. wind, hail, vandalism, theft, etc. not when it's your fault.... that's collision

    Most insurance companies WILL cover your aftermarket stuff if you tell them about them BEFORE you have a claim. If you are allowed to purchase the additional insurance, the insurance company MUST cover the mods. this is true in every state in America for every insurance company that writes any type of coverage. If you pay a premium and are not in violation of your policy contract, you must be granted coverage.

    The Allstate policy language quoted above is from a BASIC policy that doesn't consider the admendment that covers the modifications.
     
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