| Author | Message | ||
     Bill Ross (Billr) Member Username: Billr Post Number: 75 Registered: 11-2002 |
For anybody out there with a lift on their Rover and who are living (and insured) in Ontario; has anyone had questions from their insurance company in regard to any suspension mods (i.e. lift)? I read a article in the TO Star over the weekend where some of the ricers are having their insurance non-renewed (or claims denied) for having the suspensions modified (i.e. lowered). Obviously in our case, its a bit different situation but the policy language used by the companies to deny or non-renew could technically be used for a lifted truck suspension as well. With all the BS going on right now in ON around the whole auto insurance market (i.e. ripoff), I'm a bit nervous about my modest 1 in. lift and the problems it could create if my company tried to weasle out of paying a claim. And before I get flamed by any agents/ins. company types out there, I was in the business as an agent/broker and in company management for 10 years so I'm not really interested in hearing ins. company propaganda (but thanks anyway) as to why these actions make sense. | ||
| Phil (Discoanywhere) Member Username: Discoanywhere Post Number: 52 Registered: 06-2003 |
My insurance guy never asked me anything about mods... He's a pain in the A*@ too ... As he's always calling asking questions updating photos etc... He asked about my off roading as he dropped into my store one day when my truck was covered in mud.. but nothing about any mods... Then again they'll wait until I try a claim I guess? ... Seeing as you were in the business do you think its a good idea to tell them about your lift or not? I've always wondered if I should call my insurance company about everything I do to my vehicle... Maybe that DiscoWeb decal I put in the window will attract theives and they won't cover a break and enter...lol | ||
| Jamie (Rover_puppy) Member Username: Rover_puppy Post Number: 43 Registered: 05-2003 |
What are ricers? | ||
| michael burt (Mikeyb) Senior Member Username: Mikeyb Post Number: 373 Registered: 03-2002 |
little japanese sport coupes...honda, mazda, et al... | ||
| Alan Yim (Alan) Senior Member Username: Alan Post Number: 656 Registered: 09-2002 |
typically jazzed up with aero dynamic packages and if the guy is really serious, the engines are juiced up. | ||
| Bill Ross (Billr) Member Username: Billr Post Number: 76 Registered: 11-2002 |
Phil: In regard to your question concerning whether you should mention suspension mods to your broker, I guess I'm asking the same question. Its definitely a Catch22. If you mentioned it, they may see fit to non-renew. On the other hand, if you don't they may deny a claim. I did mention it to my broker and sent him a picture that I had handy. He said not to worry since the company I am with is pretty good about that stuff, but I have to wonder. Of course up here in the North, there are a lot of PUs and SUVs that have various mods just to deal with what we have to deal with. Everything from "roo" (or is that "moose") bar type bumpers with winches, lift kits, etc. All of which could be construed as mods to the base vehicle and hence a point of contention in regard to policy language. The real concern I have and if the TO Star article was accurate, buddy who modded his Cavelier really didn't do much and despite his mgmt position at IBM and the fact that he was in his late 40's, his company still nailed him. My company experience would have said that he fits the profile of a good risk, so what do we care that he's dropped his suspension by 40mm? But... So I don't really have an answer to the question. I'm just sweating it out the same as anyone else. Also in regard to the "ricer" term. Its a common car guy term for heavily modified compacts used for street racing. TO is having a serious problem with these guys "terrorizing" TO's highways at night and occasionally becoming involved in some pretty big incidents. They have "slammed" suspensions, trick paint and interior jobs, big stereos and some are pumping out close to 300hp (or so claimed) out of their wee little motors using some pretty serious mods including NO2. | ||
| Alan Yim (Alan) Senior Member Username: Alan Post Number: 659 Registered: 09-2002 |
The cars in the movie "The Fast and the Furious" are good examples. |
