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Are your car mods reported to DMV or Insurance?

Discussion in 'Members' Lounge' started by reckedracing, Dec 5, 2006.

  1. reckedracing

    reckedracing TTIWWOP VIP

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    I was just wondering how many of us that have modified cars have these mods either listed with the DMV, or listed/covered under their insurance?

    All my cars have original unmodded titles, even the ones I've changed the colors on.
     
  2. Celerity

    Celerity Well-Known Member

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    The insurance on my Vega requires photographic evidence of my garage, fire suppression system, under-hood photos and VIN tags clearly seen. They also wanted a photo of me next to the car with something datable on it.

    That's why I pay $100 a year to cover the car.
     
  3. reckedracing

    reckedracing TTIWWOP VIP

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    what year is the vega? and you have full coverage?
     
  4. Celerity

    Celerity Well-Known Member

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    I have full coverage, but I had to take CT state minimum liability limits. Also, my coverage is Fault, so it works out weird if I get in an accident.

    The company is Grundy, and Grundy is about insuring show cars only. Cars that aren't driven (I signed a statement that I don't drive the car as a daily car, to do ANY errands or as a backup car for any reason). To date, I've honored this statement.

    It's basically insurance that's made for old, rich people to get to shows. they have a minimum age, they can turn you down if they don't like your car, and they can turn you down because "you seem kinda funny".
     
  5. Celerity

    Celerity Well-Known Member

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  6. reckedracing

    reckedracing TTIWWOP VIP

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    so you have it registered and insured as an antique right?
    now what happens if a tree goes through your garage, does that fall on your home owners policy? or your car insurance?

    and whats the listed value with the insurance company? $100 doesn't seem like its providing much coverage value
     
  7. Celerity

    Celerity Well-Known Member

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    On the backside, that insurance company reports nothing but good news to it's shareholders. Think of the annual report:

    "Our clients range in age between 45 and 75 and make 200,000 or more annually. We have a less than 1% claim rate against rateholders and are the only insurance company in the world with 0 fraudulent reports. Gentlemen, lets go to Outback!"
     
  8. Celerity

    Celerity Well-Known Member

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    My reg is Connecticut classic. The plates are "Early American" and have a small icon of a Ford model A. You can get "Early American" for imports too. I am also completely emissions exempt, tax exempt and don't have to carry any stickers or identifiers outside of the single licence plate. (No reg stickers)
     
  9. ThatGuy4life

    ThatGuy4life The Riced Sleeper

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    I have all mods reported to ins. I pay more cause of it, but I've already had to go through the experience of having my stuff jacked twice, and each time just my stereo equipment was valued over $6000
     
  10. Celerity

    Celerity Well-Known Member

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    I find that kind of thing funny. What can you POSSIBLY assemble for $6000 these days ?
     
  11. totalburnout

    totalburnout Well-Known Member VIP

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    I don't think they'd be too happy to know that I did 3 catlytic converter deletes and another emissions related delete on my tumbler generator valves that are on my intake manifold.
     
  12. 89crxzc

    89crxzc I provide inspiration!

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    well i have everything on the xb, crx, and my wifes accord listed with the insurance and i pay1200 a year full coverage for all three.
     
  13. Celerity

    Celerity Well-Known Member

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    "Tumbler Generator Valves" I would have laughed at that too, a few months ago, before I was able to identify the oddly shaped and plumbed "Air to Air Thermal Reactor" on my Cosworth.


    It prevents backfiring under high RPM downshifting.
     
  14. totalburnout

    totalburnout Well-Known Member VIP

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    I can't speak for your car, but I know how they work on the WRX.

    They act as a choke on cold start emissions, after that they do nothing.

    I need to be tuned to create more spark on startup because right now the car is real rough until it warms up.
     
  15. Celerity

    Celerity Well-Known Member

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    The cosworth's reactor is installed on the side of the head (Lower head, it's in two seperate slices (Valve case and Cam Carrier). It takes not just flow, but pressure from the Exhaust cycle and sucks in fresh air (From the aircleaner) to take up the slack when the vacuum across the exhaust valves starts to cause backfire / sputtering.

    I just think the name is cool.
     
  16. Celerity

    Celerity Well-Known Member

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    Something I noticed when I was a WRX Owner. The engine is a modern piece of artwork. Toleranced and touched-up to the point of changing molecular disposition within materials for the engine. Everything about the motor is significant, including it's earth orientation during manufacturing.

    And after all of that attention is paid to it, and it's had such careful and precise machine work performed,

    It's the same goddam maintainance that 1960s Italian cars required. I'm surprised that the manual doesn't call for "decoquing the valves every 300 hours of use, or 2000 miles"
     
  17. ThatGuy4life

    ThatGuy4life The Riced Sleeper

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    Are u serious, "What can u assemble now adays for $6000" ? But I guess you're not really into stereos. Here's what my new system will consist of when I'm through with it. All out MTX stereo:

    1 15" 9515-44 sub, $774.99 MTX T9500 Series

    1 TA-92001 amp $1,999 MTX TA92001 Class D Mono Thunder Super Amplifier

    pair pf TX-6903 6X9's, $149.99 MTX TDX-6903

    pair of TXC's 6.1 components, $499.99 MTX TXC6.1

    Set of T1000 tweeters $79.99 MTX TX-1000

    1 TA-7401 amp, $799.99 MTX TA-7804

    1 TA-5601 amp, $579.99 MTX TA-5601

    A alpine center channel SBS-05DC, $149.99 Alpine SBS-05DC In-dash center channel car speaker at Crutchfield.com

    and the Kenwood 25th anniversard edition deck XXV-05V $1,539 Kenwood Corporation | Products | Car Entertainment | 25th Anniversary | XXV-05V

    Which totals to $6572.93 which does not include the 6 screens that will be going in, the wiring, the cap, the gell cells, Or the $2000 it would cost for the install cause of all the custom work that will have to be done, cause of th motorized amp racks, fiber glass, and materials.

    Now while I won't be paying nearly as much cause I work for my boy that has his own car audio business so we'll get everything discounted straight from the manufacturers.
     
  18. pissedoffsol

    pissedoffsol RETIRED

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    i report nothing.

    usually, its cheaper to replace it on your own that to take the hike in insurance over time. so assuming your shit doesn't get stolen for say 3 years, that extra 100/month paid for it already.

    bank it, invest it, make money on it. don't give it away.
     
  19. Celerity

    Celerity Well-Known Member

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    MTX ? Yeah, Pyle sends their thanks.

    Vega:
    Panasonic MP3 / Sirius deck
    Audiovox XC90 XM unit
    Infinity Basslink 1
    4x Infinity reference components

    Um... Done.

    :)

    Also, I used to work as an installer at a high end shop.
     
  20. B16RacerN2NR

    B16RacerN2NR Working Hard VIP

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    Jeez, you'd pay that much for MTX? I bet I can put together something better for cheaper and will knock harder. Eclipse, JL Audio, PPI, and Mobile Authority FTMFW!!! :D
     
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