Sharkey
Word Ninja
LOL! I know the extent of IrishJK's total loss experience and I believe him and have seen his proof.
Yep........
LOL! I know the extent of IrishJK's total loss experience and I believe him and have seen his proof.
geico lets you add the parts on the policy btw. I just added my roof rack, roof top tent, sliders, bumper and tires for a extra $3 a month .
I would love to hear your results.....my guess is you are going to be supremely disappointed. Most people just plain don't understand how insurance works.
If I buy a new rubicon for 45K, I pay insurance to cover a 45K vehicle. If I then turn my rig into Moby, that's now worth 125K, but still pay my insurance company for a 45K vehicle, they are not going to cover anything more than the stock vehicle...which is all I'm paying for.
On my personal jeep, I pay for additional coverage of aftermarket parts (GEICO), which is why if things ever get stolen, I get paid for them, because I paid to have them covered. I don't see how people expect to increase the insurance companies risk, by adding value to the vehicle without paying for it, and then expecting to get their money back.
FYI, every single insurance company has their own individual policy and fine print and they do not all work as you have described with Geico above.
All insurance works the same exact way. You pay a certain amount of money to insurance a certain amount of risk. You cannot increase the risk without changing the amount of money needed to cover it. I have been on forums for a long time, and have never saw ANYONE get paid for mods other than whatever fit into their insurance policy money wise. If you insure a rubicon, you get paid for a rubicon, not a rubicon with a roof rack, a 50" rigid bar, a dynatrac 60, 37s on slabs, a hemi swap, and an aev hood. Believe what you want, but insurance isn't really a secret. If you want full value for your add-ons, you need to pay for the coverage. Oh, and BTW, the sh!t people are told by their idiot insurance agents is usually not even remotely close to reality, and many people find that out the hard way.
All insurance works the same exact way. You pay a certain amount of money to insurance a certain amount of risk. You cannot increase the risk without changing the amount of money needed to cover it. I have been on forums for a long time, and have never saw ANYONE get paid for mods other than whatever fit into their insurance policy money wise. If you insure a rubicon, you get paid for a rubicon, not a rubicon with a roof rack, a 50" rigid bar, a dynatrac 60, 37s on slabs, a hemi swap, and an aev hood. Believe what you want, but insurance isn't really a secret. If you want full value for your add-ons, you need to pay for the coverage. Oh, and BTW, the sh!t people are told by their idiot insurance agents is usually not even remotely close to reality, and many people find that out the hard way.
I believe we all understand that fact. The problem is that a lot of insurance companies don't have a way to modify the policy in that manner. Or at least they don't advertise it.
I insured my first JK for all the parts. It was totaled in a crash. The insurance came back and says the agent was wrong on insuring it that way. They wouldn't cover the extra parts.
Long story short, I removed every single mod off the jeep. Including the gears, which happened to be connected to the e lockers.. Lol.
I believe we all understand that fact. The problem is that a lot of insurance companies don't have a way to modify the policy in that manner. Or at least they don't advertise it.
After reading a thread yesterday I switched to State Farm. After telling the insurance agent my jeep is modified she told me State Farm is very good regarding modifications and all she needed was the receipts to make copies of. That's what we spent an hour doing today. I've read many post on This form and others how State Farm came through paying for the mods after an accident.
I would like to hear from someone that had statefarm that paid for just a base vehicle, and got a high dollar item covered, like a gobi rack, a dynatrac axle, a rigid 50", etc. Maybe they cover rugged ridge hood latches, but I refuse to believe they are going to cover an evo DTD coilover setup for 20K. As I said earlier, what your agent told you isn't going to be what statefarm corporate going to cut a check for.
I would like to hear from someone that had statefarm that paid for just a base vehicle, and got a high dollar item covered, like a gobi rack, a dynatrac axle, a rigid 50", etc. Maybe they cover rugged ridge hood latches, but I refuse to believe they are going to cover an evo DTD coilover setup for 20K. As I said earlier, what your agent told you isn't going to be what statefarm corporate going to cut a check for.
I totaled my LJ back in December and it was highly modified down to custom currie housing. I purchased the Jeep with 45k for 17k with all the addon already done to it. When I contacted my State Farm rep who i have dealt with for 16 yrs just told me to come in and get pictures taken of the jeep. I never did, and because I purchased the jeep with all the mods already preinstalled I didn't have any receipts, except a few that I had from my own add ons. When I flipped my jeep on the bridge my insurance company (STATE FARM) was awesome. They gave me 50% of todays value of all the add ons with no receipt except the few that I provided. Now, this is because they could physically inspect the jeep and see that it was highly modified. The adjuster actually told State Farm to get in contact with me to get the list of modification. I actually made money on because the Jeep Appraised at 21k stock and they gave me an addition 10k for the the modification. Again with little to no receipt. I did take my wheels and tires off because they had less the 10k miles on them. So I will be sticking with State Farm for as long as I own a modified Jeep.
If you want I can provide a copy of my mods and what I submitted to state farm to back my claim up. And then the Check for my 2006 LJ
You have but you refuse to listen.