Eibach pro kit, insurance?

[08coupedriver]

I really want to drop my car with the spring kit but is there anyway that i can be screwed over by my insurance if i drop my car? maybe if i get into and accident or something?

I know these are dumb questions but i just wanted to get an input about what the 'consequences' would be if i do decide to drop it.

and i know its on special right now

Thanks

[minivan_don]

you shouldnt have any problems seeing as the insurance companies offer specific insurances for people who have excessive amounts invested into their cars.

install them and enjoy !!! it makes my daily commute waayyy more fun

[{WBK}Viper]

Please contact your insurance first before you do it. They can and mayscrew you over if you dont disclose what you are doing and somethinghappens if they find out about it after the fact.

Most insurance companies will be fine with it as long as they know about it.

[maxentropy]

I really want to drop my car with the spring kit but is there anyway that i can be screwed over by my insurance if i drop my car? maybe if i get into and accident or something?

I know these are dumb questions but i just wanted to get an input about what the 'consequences' would be if i do decide to drop it.

and i know its on special right now

Thanks

Most insurance companies are fine with most modifications. Changing the suspension, however usually raises red flags. I had Nationwide insurance for the longest time-- told them about my mods after I installed them and they told me they will not renew my insurance due to my modified suspension. I have now switched to All State and they are great.

[{WBK}Viper]

My insurance told me they only have issues with people who wantto lift their trucks...not drop a car. Don't know why it matters eitherway, but that's their policy.

[08altima35]

I have now switched to All State and they are great.

"That's our stand. Are you in good hands?"

[marlin29311]

Most compaines don't gripe over the drop - just watch the value of your modification, because if you add too much and have a total loss, you might not get your investment back, depending on how your vehicle is insured. If you are on an actual cash value basis, you are going to get market value for your car. If you have agreed value, you will get the amount you specify...

[Altima_Coupe]

contact ur insurance company. different companies have different polices about aftermarket suspension. I called w/o giving my name or policy # b4 i dropped and it wasnt a problem but they wanted to know if I would be racing the car. ..ummm...no....

[mikegtr06]

just called my insurance company and they told me that it wouldnt be a problem as long as the "usage" of the vechicle didnt change and i didnt put over 2000 dollars worth of parts... i just have to tell them what i have so that they can reimburse me if something were to happen.

[imdavit]

question, after installing the springs is there a very noticeable improvement in suspension? like for example the bumps and all would i feel it less? cuz with my stock springs sometimes it feels like im on a rollercoaster.

what exactly is the improvement on the eibach springs besides less body roll on turns.

edit: sigh i just found a post on it and something about you feel every little bump? thats a real turn down but does all the other improvements make up for it? sorry for thread jack, just didn't feel like making a new post.
Modified by imdavit at 10:30 PM 10/16/2008

[MikeisSUPERBAD]

properly installed springs should not cause any kind of problem especially being that the pro-kit is as close to stock as u can get.... coil overs on the other hand may cause a problem because if they are not set at a proper-safe ride height... thats cause for danger...

being that i have worked for GEICO and Nationwide Insurance companies.. here is my input on this...

honestly most if not all insurance companies are concerned with a customer altering or modifying the power of the car(or how fast the car can go). if you add turbos or superchargers that were not installed as stock parts by the manufacturers they see a higher probability of racing whether its street or track. there are some people out there who insure their "race" cars on their normal every-day auto insurance policies and dont tell their insurance company "oh hey by the way u know that 95' mustang you got on their throws down about 1200HP... and is not street legal"... (along with their wife's or girlfriends dodge caravan or toyota sienna lol) and that is a NO-NO. To tell you the truth each insurance company has different rules and guidelines in when to inspect vehicles. Most agents will definitely require an inspection of all vehicles to be insured before a policy is issued. Some companies will waive inspection if the car is insured with liability coverage only OR if there is a "shady" situation... where the customer may not be forthcoming with their information. depending on which state you live in... it may be a take all comer state (like NC-where every insurance company has to offer you insurance because of the way the rules are set up) or a voluntary insurance state like NY.. where most companies can say they dont want to insure you based upon your car or information provided. your vehicle type, your driving info/location & history, your credit, previous insurance history (paid on time, lapses of insurance) and claims history, etc etc etc... their are too many factors to list in what an insurance company evaluates at the time the policy is quoted to within the first 30-60 days of the new business policy period.

i have insured plenty of vehicles with upgraded (lightly or heavily) stereo equipment, wheels & tires (anything from 13" to 24") and a bunch of cars with body kits and spoilers. normally when i have contacted my underwriting department about a car with non-factory turbos or spr/chargers they were flagged for non renewal as they posed a big unwanted risk to the company. and who is to blame a company for walking away from someone with a honda civic or nissan altima with a twin t10 turbo system set up and has windshield stickers that state "racing akimoto" or "Team Local Highway/Interstate Redline Racing" ?? (joking lol obviously) but anyway.. most insurance companies can insure your car to value with proper documentation (ie receipts, appraisal, etc) or a in-person vehicle inspection whether the agent does the inspection or they send you to a local mechanic or station that they have a contract with to perform the inspections. so all in all... i hope nobody cry's about them being dropped by their insurance company when they give obvious reason to cause concern with the way their vehicle is modded or altered.

in my opinion i would rather just do the basic upgrades like exhaust, wheels/tires and stereo... which are mostly sublte changes and not have to worry about being not covered.... because in end... if u do have an accident... and the insurance company investigates which they always do.. and go see your car at the tow truck lot.. and it has an upgraded turbo, racing stickers or decals... or looks like it belongs at the track... they do have the right to deny your claim if they conclude that those upgrades played a major part in the accident or it was deemed the customer withheld information about the car being modified....YES that is true but im just being quick with my comment here -- there is definitely a LOT more that goes into an insurance claim>> but i strongly advise that u make sure you read your insurance policy contract... and ask your insurance agent/company questions and if u want to be even safer.. make sure your agent documents your account with the exact mods just so ur covered that you disclosed all important info. there are MANY if's and's or but's included. insurance is a business just like everything else and its all about how much risk you bring to the table.... and whether or not the company wants to deal with that risk.



hope this came out right as im typing at 1:32am ughh i need to get up early for work :O)
Modified by MikeisSUPERBAD at 11:00 PM 10/16/2008