Insurance on your SC

[quadrophiend]

Hey,

To those that have a SC of any sort... or for that matter, any serious modifications to the car, did you try to get the modifications insured? I am nearing the final steps of deciding when to SC my car, and I've found that USAA and Geico both will not do either stated value on a car, or even increase the value of the insurance to cover any performance, ICE, body mods at all. The best I've heard is that "it may be taken into consideration, but it depends."

So... anyone have insurance, and if so, with who? If not, why not.. ?

Thanks!

-Tre

[budman]

If its part of the car the insurance should cover it if anything happens. I cracked my windshield and insurance covered the tint on it too, since it was attached to the window. All was replaced. I go through USAA too.

[quadrophiend]

I was on the phone with USAA for a few hours this morning... they won't pay back anything over total cost of vehicle.. the insurance I have now is a stated value insurance.. i.e., I insured my car for 37k. I get 37k no matter what, as long as I keep paying the premium. No depreciation. I wanted something similar with USAA because they are generally cheaper than what I have now (Chubb), but they won't do a stated value price.

Especially considering I am about to invest an additional 6+k into my car, I want to insure that crap in case of total loss....

That is when it's the biggest issue... total loss from wreck, or stolen..