Car insurence needs pic of my car???

[kim]

Hey I was gonna get new car insurence today but the company I'm gonna go with said they need to inspect my car and need a picture of it. Does anybody else have experience with this? What do they need to do this for? My car is a 1990, maybe it an old car?

I've got quite a bit of thing done to it should I be worried that they will stick it up the butt with the rates cause my car is modified?

[fuzion]

They will want to inspect it for prior damage I believe

[ILikeMy240sx]

Yea I had to do that with Geico as well. They just want to see if there are any serious damges to the car or not... And besides I doubt the people who handle your case will actually realize you have alot of things done to your car

[sx_coupe]

I'm inspected by AllState, they didnt want anything.

[rebelgtp]

i just got my car a few weeks ago my insurance angent didn't want to look at my car. no inspection no picture

[kim]

Thanks for the info guys, yeah I thought it was for damage or something like that.

[Phax]

I've got quite a bit of thing done to it should I be worried that they will stick it up the butt with the rates cause my car is modified?

You want them to know about the modifications that you have done to your car. Otherwise, in the event of a loss, you'll get screwed. You need them to know about the mods, so that they insure it for the right value.

[C-Kwik]

You want them to know about the modifications that you have done to your car. Otherwise, in the event of a loss, you'll get screwed. You need them to know about the mods, so that they insure it for the right value.

Actually, this depends on the policy language. Some policies put limitations or excludes certain aftermarket parts or even any aftermarket parts(excluding non OEM replacement parts). Some policies are very broad. Policies generally cover the vehicle and it's equipment. Then it will generally at the least exclude very specific items(Radar detectors, CB radios, tapes and CD's etc). And in some cases it will put a limitation or exclude aftermarket stereo items, and perhaps also do the same for any other types of non-OEM replacement parts. A broker or agent should be able to allow you to see a copy of the policy before you buy.

As far as the photos is concerned, the primary reason is to inspect the condition of the vehicle. This is generally not required if you purchase liability only coverage. Depending on the insurance companies underwriting standards, they may choose not to insure you if you have certain aftermarket mods. Even if you are willing to pay more. And photos can sometimes be waived for longtime customers.

[SoCalS14]

I have to agree with C-Kwik, I wrecked two modified Hondas and all I got was the value of the "stock car". One thing I was able to do was argue that since I had a custom car, and could prove it, that my stock car was in "mint condition". So I got full value and kept the "totaled" car...parted it out, and bought a 240!!!