Quick wreck and insurance question concerning cats

autoX · 01-30-2001, 03:12 PM

Quick story-
I was shopping for insurance one time and I was asking the agent what would happen if I totalled my car after I spent a bunch of money on performance parts. I told him that I autocross race my car and he plugged his ears and was like "Don't tell me that!" I didn't understand, so I probed him some more. He said, "My adjustors aren't stupid. They know what a roll-cage, racing harness and bigger brakes are for! Even if you get in a one car accident on a icy road, my adjustors might pay out for the accident, but you better believe that we would drop you right afterwards!" I was pissed! I was like, "Let me get this straight, if I have awesome brakes, a safety roll-cage, and a racing harness in my car - all of which are designed to save my tail in an accident, you will drop me no matter whose fault it is?!" I don't have to tell you his answer. Needless to say I never switched insurance companies and I don't dare tell them that I race my car. The moral of the story is - insurance folks just don't understand, so if they see a bunch of performance mods on your car, they are apt to think you are just a hazard to them... Just be careful...

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Red '90 GT - My Daily Driver w/ Kenny Brown braces & Springs, 6 KYBs, Caster/Camber Plates, Factory Five Control arms, Poly Bushings, 3.55 gears, Hurst shifter, Dynomax cat-back, Cervini 2 1/2 cowl, & Polished ROH ZR6 wheels... Griggs torque-arm and panhard bar waiting for installation!
My other toys:
Viper Blue '85 GT Convertible - Just restored and almost on the road!
Black '95 VW Jetta VR6 - To be sold as soon as the Convertible is on the road!

01-30-2001, 03:12 PM	#1
autoX Registered Member Join Date: Nov 1998 Location: Portland, OR Posts: 113	Quick story- I was shopping for insurance one time and I was asking the agent what would happen if I totalled my car after I spent a bunch of money on performance parts. I told him that I autocross race my car and he plugged his ears and was like "Don't tell me that!" I didn't understand, so I probed him some more. He said, "My adjustors aren't stupid. They know what a roll-cage, racing harness and bigger brakes are for! Even if you get in a one car accident on a icy road, my adjustors might pay out for the accident, but you better believe that we would drop you right afterwards!" I was pissed! I was like, "Let me get this straight, if I have awesome brakes, a safety roll-cage, and a racing harness in my car - all of which are designed to save my tail in an accident, you will drop me no matter whose fault it is?!" I don't have to tell you his answer. Needless to say I never switched insurance companies and I don't dare tell them that I race my car. The moral of the story is - insurance folks just don't understand, so if they see a bunch of performance mods on your car, they are apt to think you are just a hazard to them... Just be careful... ------------------ Red '90 GT - My Daily Driver w/ Kenny Brown braces & Springs, 6 KYBs, Caster/Camber Plates, Factory Five Control arms, Poly Bushings, 3.55 gears, Hurst shifter, Dynomax cat-back, Cervini 2 1/2 cowl, & Polished ROH ZR6 wheels... Griggs torque-arm and panhard bar waiting for installation! My other toys: Viper Blue '85 GT Convertible - Just restored and almost on the road! Black '95 VW Jetta VR6 - To be sold as soon as the Convertible is on the road!