Denied Insurance on 06 Dodge

[Thatguywv]

I have an 06 Dodge with a Kore Chase lift, BHAF, a 5 inch exhaust, and a new Valve Body. Anyways I went to change insurance companies yesterday and was told that I could not be insurred on my truck. Granted I have a good credit and no accidents. I was denied because, I did not have the oem exhaust and intake.

Has anyone ever heard something this crazy?

 

[Tinman]

I haven't heard of this. I can't imagine the intake being an issue as it isn't part of the emissions. I can imagine a problem with the exhaust if the cat was off as the truck would techniquely be illegal and they might have a policy about insuring not emissions compliant vehicles. If the cat is on, then there is no legal issue since the muffler isn't part of the emissions system. They might have the attitude that these are race modification and they aren't into insuring race vehicles. It's their game so they can deny coverage for the color if they want. I wonder if they have some data that about increased accidient rates in "modified" vehicles? They could be lumping all modified vehicles together which would include the teenager driving ricers with coffee can exhaust.

 

[AHofner]

Care to name names? Might help us all out. Personally, I've never had my agent even ask to see my vehicle, so it seems strange that the insurance company denied you based on an exhaust system. I'd be wary of anybody checking out my "rear"

 

[Ducman82]

i had a 89 blazer 8 inc lift, 40 inch swampers, and nothin else stock... ... when i moved and was thinking of changing, if i told them what i did they would not do it, but the company i went with USAA did not ask if i did any mods... . so i did not tell! now i dont have the K5 and they are insuring my truck no questions asked. just find out what there aftermarket part coverage is, then go from there

 

[bighammer]

Progressive told me if I had traction bars or other "racing modifications" my policy would be void. I switched to State Farm. They don't care what I do to it.

 

[Forrest Nearing]

man... I've gone through a few insurance companies in the past few years and have never even been asked questions like that

 

[bighammer]

man... I've gone through a few insurance companies in the past few years and have never even been asked questions like that

I wasn't asked questions, the Progressive adjuster insisted the large blocks on the rear axle of my 94 were part of a lift kit, and wanted to deny coverage because of them. I informed him it was stock and to head to the dealer and educate himself before he pushed the issue.

I knew I wanted traction bars and started asking the questions myself. If you read the policy, it's all spelled out in there.

With State Farm, my agent is also the local adjuster, so I asked all the important questions first.

 

[Jefff929]

:-laf I have been helping my agent (99 PSD) down the slope

he wants lower EGTs. Oo.



The company doesn't seem to care.

 

[Jeepr]

It's worth it to be honest to your agent and even if they don't ask, tell them your truck is modified. My agent is fully aware that my Jeep is modified and when/if the truck gets lifted, I will let him know.



First, you want to make sure your mods are covered if there is a wreck or theft.



But more importantly, you want to make sure the company doesn't deny the claim for an ENTIRE accident citing the modifications (that they didn't know about) contributed to the accident.



BTW, I'm insured with Safeco. A Jeep friend of mine was also very open with his agent (different than mine) and also has Safeco. So, assuming the agents are forwarding the info on to Safeco, they seem to be mod-friendly.

 

[Ducman82]

from my experiance most companys will not isure a truck lifted over 4 inches... ... ... bumpers, lights, stero stuff, etc. . ya i tell them about them. when i went lookin to insure my blazer most companys had a lift policy and racing policy. as in if you wreck at the track your SOL.

 

[sag2]

Being honest is the best insurance against denied claims. I have seen several vehicles that had electrical modifications for amps and subs, and electrical caused fires were denied because of the modifications. You might think your getting away with it up front, but in the event something happens you will be out in the cold.

 

[Ducman82]

i totaly agree... the only thing i was trying to say in my round about and confusing way, was that some companys dont allow certin things. just find out about there racing, mods regs.

 

[JasonCzerak]

So, if no one insures aftermarket stuff, how does the aftermarket stay alive?

My question is... ... . The racing mod parts. That HAS to have been contested in court as ill-relevant.

How is my truck any more likely to "race" then a corvette? Why should insurance be denied because of a race modification when I can just turn around and by a street legal race care?

I can understand denying insurance for a 16 year old that managed to buy a 500hp Viper of Vette. I've heard of stories that kids have been able to pay for an SRT-10 Ram, but couldn't get insurance. That's freaking nice. Them trucks are not for anyone with out 5 years of driving experience IMHO.

However, This racing thing they "claim" causes accidents its poop. You can kill someone just as quick racing a stock truck then a 500hp truck or 90hp Geo.

Insure the person, not the vehicle. Could be like some with 130mph 1/4 mile cars that drive like grandma.

 

[JasonCzerak]

Being honest is the best insurance against denied claims. I have seen several vehicles that had electrical modifications for amps and subs, and electrical caused fires were denied because of the modifications. You might think your getting away with it up front, but in the event something happens you will be out in the cold.

It's not auto insurance, but you can be "Stupid" and spill bleach all over your carpet and file a claim and get new carpet for your entire house, should it all be the same color... . How is that different then being stupid and miss wiring your truck? or dropping a cig butt and it smolders and starts a fire?

 

[BHaden]

Progressive told me if I had traction bars or other "racing modifications" my policy would be void. I switched to State Farm. They don't care what I do to it.

A friend of mine has State Farm and has been real happy over the years. They insure his Caterham Super 7 which he autocrosses on weekends. The agent knows what he does and doesn't care as long as he doesn't crash it at the track and file a claim and he knows better anyway. He just likes to go for a weekend cruise once in a while and needs the insurance for the registration.



"Whats a Super 7 ?" Google "Caterham". It's a 1300 lb kit car with a 210+HP Ford Focus 2. 0 liter with 4:10 gears on 20" dia tires. Faster than stink.

 

[Skydiver]

Allways be honest with your insurance agent. You don't need to volunteer info.



Insurance companies are in business to make money. They do not like going to court.



"Lloyds of London" will insure anything at thier cost.



Wife sold insurance for 17 years. She hated it.

 

[JasonCzerak]

Exactly. any modification you make can not be directly responsible for a speeding ticket. No modification can be proven to "make you race". Tho, if you have an extra 100hp, you most likely will street race more often, but they can't not be proven as fact in any court.



If you crash it at the track, that's your problem!!!!! naturally.



Now, if you muck with your truck/car and do a 6" lift and you forget to tighten some bolts (and it's proven you had neglect i this area), I wouldn't be apposed to deny insurance claim and make you pay outa pocket for liability. However, like my bleach example (and I know folks that have done it!). You can't hold "stupid" against someone apparently and force them to take personal responsibility in this day and age.



Just tell them no.

 

[Thatguywv]

I am not going to name, names on who denied me, but it is the only insurance provider in Danville, WV. I went to another branch of the same company and they actually did insure me. Now what really makes me mad is that since both branches are part of the same company, you would think that the prices would be the same. I was wrong, the second branch I went to was 1475/yr for an 08 Jeep Rubicon Ulimited and my 06 dodge, while the first branch which I was denied at priced it to me at 1850/yr.



BTW: The insurance agent who denied me is driving an 08 vette.

 

[JasonCzerak]

I am not going to name, names on who denied me, but it is the only insurance provider in Danville, WV. I went to another branch of the same company and they actually did insure me. Now what really makes me mad is that since both branches are part of the same company, you would think that the prices would be the same. I was wrong, the second branch I went to was 1475/yr for an 08 Jeep Rubicon Ulimited and my 06 dodge, while the first branch which I was denied at priced it to me at 1850/yr.



BTW: The insurance agent who denied me is driving an 08 vette.

Apparently he was making enough money and didn't need your premium. Tho for 2 cars, $1450 isn't to bad?



What about the national insurance companies?

 

[donnier]

I may get flamed for this comment but I 'm with Geico and am quite happy with them.

For my 05 and the wifes 08 Taurus, it runs us about 1500/yr for full coverage.