FI and insurance

[sigintel]

Dont freakn disclose you are going to performance mod the car.
Contact ins companies and ask for policy to read for your year make model car. Ask for their terms in writing to read. NEVER tell them you are adding a performance mod. If their terms state performance mods void coverage, then move onto reading next co. terms.

Dont ask. Read and understand yourself. Some agents say no even though not in terms.
If terms say you cant mod or must disclose, then thats cut n dry.
Some ahents will say its OK even if terms say it voids policy!!!
Anything an insurance agents says verbally and is not recorded and agreed to in writing is useless as they litigate based on the contract you sign and coverage terms you agree to.


Your insurance co could say they are dropping you cause you speed constantly. You may always drive 5 over. Do you tell them you always illegally speed even if its 1-5 over? Hell no!
Is speeding 1 over illegal? Yes!

Read the USAA terms.

Dont start a negotiation by telling the other side how to screw you.

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[sigintel]

Why would you trade a 15 for an 18. You want a 10 speed that bad? The engine don't look like it's gonna be FI induction friendly for a while anyways with the higher compression.

PDI!
Port and Direct Injection is a HUGE game changer with FI.
There are already multiple head units tested and tuned for initial release included some spy photos already leaked that were on production blocks with production compression and production PDI.

12:1 is a result of PDI. PDI allows compressing lean fuel air charge outside of detonation range and adding fuel directly extremely late and even after first spark event! Theoretically, you can multispark with multiple additional injections AFTER first spark but still before TDC!

Let there be no mistake, PDI is the holy grail to FI and allows FI with 12:1 compression. Combined w DOHC, we should see 900-1000hp crank capable stock motors. 963 if I had to pick a number...;)

 

[jvandy50]

Did your car have a supercharger or was it turbocharged?

neither, it was just headers, catback, wheels/tires, suspension, even interior stuff...i just sent them receipts for it all. I'd also point out most of that stuff got damaged in the crash too.

but while all this was happening i asked about this very situation, because i was pretty close to putting a blower on realized how much more devastating of a loss
It could be after adding another 7-8k. So I asked about adding a policy to cover aftermarket and they said don't worry about it, just keep receipts like you did this time.

After reading more in threads like these, I'm not positive this is the norm. But with state farm here in Arkansas, it's what happened. Might be worth a call to them

 

[ORANG50]

My insurance agent is a mustang guy, too. He just said they will only pay to repair the car as stock if I get in an accident and it's my fault.

 

[Brian Z.]

Easy, pay cash for your car (never take a loan out for a depreciating asset) and don't carry full coverage. I could buy 10 mustangs with the money I've saved having collision only with high deductibles on my car. Is it risky, of course, but it's not like people driving 800 hp mustangs on the street are exactly risk averse. Insurance is a scam. Just my .02.

 

[Ecoboosted]

Easy, pay cash for your car (never take a loan out for a depreciating asset) and don't carry full coverage. I could buy 10 mustangs with the money I've saved having collision only with high deductibles on my car. Is it risky, of course, but it's not like people driving 800 hp mustangs on the street are exactly risk averse. Insurance is a scam. Just my .02.

Just having collision and having added FI couldn't the Insur. Co. cancel you for fraud by not telling them of the added FI? What if the accident is totally your fault sounds like you could be liable for the entire accident even covering the other persons property and medical bills possibly even getting sued.

 

[dubster99]

PDI!
Port and Direct Injection is a HUGE game changer with FI.
There are already multiple head units tested and tuned for initial release included some spy photos already leaked that were on production blocks with production compression and production PDI.

12:1 is a result of PDI. PDI allows compressing lean fuel air charge outside of detonation range and adding fuel directly extremely late and even after first spark event! Theoretically, you can multispark with multiple additional injections AFTER first spark but still before TDC!

Let there be no mistake, PDI is the holy grail to FI and allows FI with 12:1 compression. Combined w DOHC, we should see 900-1000hp crank capable stock motors. 963 if I had to pick a number...;)

But is the motor also stronger than ours, and able to handle that reliably? How long will it take tuners to figure out the two different injection types?

 

[stang17]

Just having collision and having added FI couldn't the Insur. Co. cancel you for fraud by not telling them of the added FI? What if the accident is totally your fault sounds like you could be liable for the entire accident even covering the other persons property and medical bills possibly even getting sued.

Maybe if you were in California and had non carb certified parts on your car, technically making car not legal for road use, if you caused an accident they wouldn't cover it. That would be a really big stretch though.

I personally have my car insurance through travelers as my cousin has been a rep for them for over 10 years. None of the aftermarket parts on my car are covered if I cause an accident. At the same time, having these CARB certified parts on my car does not void my insurance or raise its premium as those parts are not covered. If I wanted to get an additional $10,000 in coverage for my parts it was going to cost me an additional $90 a month, which isn't worth it to me.

If someone was ever to hit me, I can still use my full tort option to file a claim against their insurance to repair any of my parts which were damaged in the accident.

Again, this is through travelers insurance. I can't speak for other insurance companies. If you are not sure, have an employee of the insurance company in question direct you to their written policy which directly states modifying your car with STREET LEGAL aftermarket parts void your coverage.

Sounds like the crap some dealers used to pull by saying adding a KnN air filter voided your warranty. The magnuson act took care of those shenanigans.

Better watch out your insurance company doesn't void your policy for having an aftermarket cat-back exhaust on your car. After all, a CARB stamped performance part is a CARB stamped performance part.

 

[Ecoboosted]

Maybe if you were in California and had non carb certified parts on your car, technically making car not legal for road use, if you caused an accident they wouldn't cover it. That would be a really big stretch though.

I personally have my car insurance through travelers as my cousin has been a rep for them for over 10 years. None of the aftermarket parts on my car are covered if I cause an accident. At the same time, having these CARB certified parts on my car does not void my insurance or raise its premium as those parts are not covered. If I wanted to get an additional $10,000 in coverage for my parts it was going to cost me an additional $90 a month, which isn't worth it to me.

If someone was ever to hit me, I can still use my full tort option to file a claim against their insurance to repair any of my parts which were damaged in the accident.

Again, this is through travelers insurance. I can't speak for other insurance companies. If you are not sure, have an employee of the insurance company in question direct you to their written policy which directly states modifying your car with STREET LEGAL aftermarket parts void your coverage.

Sounds like the crap some dealers used to pull by saying adding a KnN air filter voided your warranty. The magnuson act took care of those shenanigans.

Better watch out your insurance company doesn't void your policy for having an aftermarket cat-back exhaust on your car. After all, a CARB stamped performance part is a CARB stamped performance part.

As you mentioned "if I lived in California" but since I don't and we don't even have emission test done yearly I'm not concerned or worried about my cat back getting my insurance canceled if in an accident. It doesn't add any performance to the car.

 

[stang17]

But the reason I'm assuming your insurance is not covering your car if you add a supercharger is because it adds horsepower. A cat back exhaust as advertised and dyno tested increases horsepower. See where I'm going. ....I find it absolutely ridiculous to think your insurance would refuse to cover a claim if you had a supercharger on the car. I'd like to believe if you ever had a dispute for a claim they refused to pay, you would be able to file a formal complaint with the state's insurance commissioner saying you have a car that passes the states safety inspection laws and legal for road use, which your insurance is trying to deny your claim for.

 

[jhatley7]

http://www.mustang6g.com/forums/showthread.php?t=71302

 

[svtpickemup]

Why would you tell them? That thought has never, ever crossed my mind!!!!

 

[Ecoboosted]

Why would you tell them? That thought has never, ever crossed my mind!!!!

Why? I'd hate to spent 7-8k or possibly more on FI alone only to find out they deny my claim altogether if I was in an accident and my car gets totaled. Hate to still be making payments on car I wrecked and can't drive.

 

[M151A2]

Your insurance company is not your Priest. Why would you even consider talking to them unless you get into an accident?
Everything you add to your car is pretty much off the table when you sell or total.
Modifications are for fun, you rarely get even a fraction of the money spent.

 

[Ecoboosted]

Your insurance company is not your Priest. Why would you even consider talking to them unless you get into an accident?
Everything you add to your car is pretty much off the table when you sell or total.
Modifications are for fun, you rarely get even a fraction of the money spent.

Exactly my point. Accidents happen. You don't want it to happen but there is always the chance. The question is are you covered? Did your FI void your insurance because you didn't ask your insurance carrier and just assumed it was covered only to find out it wasn't. Seems like a huge gamble.

So it seems no one is really covered and just taking chances hoping nothing happens. As much as i want to go FI i worked too hard to get where i am and have what i have and not willing to take a gamble only to lose it all whether a possible accident would be my fault or not. Glad i asked questions not really knowing. Anyways thanks for the responses.

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