Post by
C-Kwik »
https://forums.nicoclub.com/c-kwik-u426.html
Sat Mar 11, 2006 4:54 pm
Defect fires on cars are relatively rare. Typically, in these cases, a problem must exist and the conditions around it must contribute. So may a fire occur? Odds are against it. But CAN it occur? Absolutely. Especially in a situation where gasoline vapors are exposed and close enough to a heat source that can trigger combustion.
Whether they warned him is not relevant in that of itself. My point would be that they need to justify why they are denying service in the first place. There would need to be direct correlation between the modifications and being able to do the work. It's like saying I can't replace the stereo in my car or they'll deny me this particular warranty/recall service. As every case should be handled on a case by case basis, we should look at it the same way. Broad generalizations are a poor way to make suggestions for something like this.
While an insurance company may drop you if they discover you have modifications (different insurance companies have different methods of handling this), most do not. The trend now is to simply put limitations on a policy for non-OEM or non-OEM replacement parts. It may deny coverage for those items flat out or put a dollar limit on it. You don't need written permission to modify it. The exception to this would be if they asked you if you had mods and you stated you did not. They may have grounds for a policy recision if you lied on your application and they would not have insured you had they known about the mods or if your premium would have been higher. I know Allstate's application in CA asks if the vehicle has a turbocharger on it. Not sure if they would enforce a recision on this but I can see potential for it. Ultimately it comes down to the written contracts which is the insurance policy. And no policy I've heard of in the 8+ years I've handled claims have any language requiring you to notify an insurance company of changes to a vehicle. They would only require you to notify them of any newly aqcuired vehicles within a certain period of time. Of course, it is possible a company may have written a policy in such a manner, but I would highly doubt it. It's just easier to enforce a clear limit or exclusion rather than to get someone to call in every change they make to a vehicle. Might also open up too many legal issues as well.
And no insurance company assumes anything. "Assume" is regarded as a bad word in the insurance industry. The company I work for requires photos at the time you purchase the policy as we do not assume that the newly insured vehicles do not have existing damage to them prior to the policy inception. And when we get claims on policies that are newer and/or have suspicious circumstances, we look at the photos to make sure a claim for existing damages are not being made.
Getting back to the issue at hand, if we are talking about an exhaust, shock/springs, and sway bars, what would tool would it not be compatible with? As I said, they need to provide a specific reason. Unless the car is so low to the floor that they can't get it on a lift(assuming they need to)? If that's the case, then could they not offer to perform the recall work by charging extra for any additional work required to complete the service?