Found this article and thought I should share, insurance companies are going too far now.

Article

Yup...thats just another low blow dealt by the insurance companies. Must be nice to have a strangle hold on EVERYBODY.

I heard that the provincial government is going to step in and do something. So by the time they get their heads out of their a$$es, then something MAY be done....

I've never heard anything so stupid. I understand why they wouldn't pay for a car that had been altered without their knowlege, but why wouldn't they insure a modified car when they were informed? They could jack up the premium to make up for any increased risk, so what'* the problem? And the fact that they cited perfomance as the reason they view it as a risk...

Doesnt insurance cover everything with the car? ie: sound system parts, wheels.....
Couldnt you sue them for not paying out for damages done to these things? If they pay you if your CD case is stolen, with your 500$ worth of CDs, shouldnt they also pay for other items?

Your CD case and other personal effects stolen from your car are covered by your homeowners/renters insurance--the auto insurance policy will only cover damage your car made to personal property, personal injury and the automobile(*) themselves. I know this first hand.

I have State Farm too, and was thinking of lowering my car. Maybe not this one but my next Bonne. I think it'* complete Bulls*** that they won't even cover the car at all.

Lowering the car may improve aerodynamics and make a car go faster, but wouldn't that increase in performance really only take effect at high speeds?

I doubt that installing Taylor wires and a muffler to increase performance would cause them not to cover my car, but if they're that willing to drop loyal customers, with clean records, for 15 years, there'* a problem.

So does this mean all the rice I see that modify their cars and drive like retards don't have insurance? I don't think so. They have insurance, but I'm sure A LOT of them don't have clean records. And the ones with the clean records get dicked with by their insurance companies.

Then again, a lot of the stuff that ricers add to their cars really don't increase performance though

This is the one reason why you never report a damn thing you do to your car.

Call me ignorant, but I never even knew you had to report things you do to your car. Or maybe I did but forgot. Would this mean anyhting at all that could improve performance, you are obligated to tell insurance? That'* bulls*** if you ask me. Especially if you could be dropped. But that'* my 'ignorant' opinion.

In my case, I went to a "State Farm Service First" shop where the body shop fixes the car, and then sends State Farm the estimate. So no insurance person checks the car out and therefore won't know of any changes.

*May not be for US*
But if you read your drivers act it is iligel to modify a vehicle. (everything from wheels to dismantling SIR) But this law isnt really inforced. so why should your insurence company insure your iligal vehicle? (you can get a new VIN, and call it a HOT ROD vehicle, but your insurance would be way high if it was a daily driver

What'* that act? Never heard of it. I guess I've never heard of it because it isn't enforced. But you said it may not be in the US. I'm surprised it would be illegal anywhere to modify a car. If this is a law in the US, it'* depends on the state, and it definitely would make you think twice about it being a free country if you can't change your wheels on your own car.