Sylver01

lol anyones else find this kinda funny?

thedude411

iTrader: (1)

Meh. My parents next let me mod my vehicles while I was living up their roof

outtamymind

my mom just shakes her head when i bring home new parts lol

DiabeticKripple

iTrader: (2)

There's a catch though

soundjunky

iTrader: (4)

my old opinions still stand...

but this is good to read.

outtamymind

there's always a catch haha

soundjunky

iTrader: (4)

what's the catch, you gotta move out and pay for your own insurance?

DiabeticKripple

iTrader: (2)

Just get my own insurance. It's cause I'm on his policy, and he doesn't want it affecting his insurance. So maybe next year once I get my bank account built up

outtamymind

just don't put down the modifications. insurance company won't care. just if you anything should happen again those aftermarket parts aren't covered is all.

DiabeticKripple

iTrader: (2)

Insurance company told me they would drop coverage.

soundjunky

iTrader: (4)

and if you leave it n/a and appearing stock, it's easy to claim ignorance.

outtamymind

thats funny. also depending who's name is the primary on the insurance for your car when you go and get your own you will more then likely be classified as a new driver if your only listed as a secondary driver for the vehicle as to them you do not a insurance record.

soundjunky

iTrader: (4)

^^ any way around it, it's going to be expensive;
he's a young guy, with a new(er) car... and a 'sport coupe' at that.

Jordan the older, and more obscure the car, the cheaper your insurance will be - but any way around it you're going to be paying through the nose.

eg: 2005 Cobalt coupe base model will be cheaper than your 2007(?) G5-GT;
also, a 2007 G5 sedan will be cheaper than your G5-GT...

you can shop around, some insurance companies will take into account how long you have had a valid license, as well as if you took a drivers school (which gives you 'merits', instead of the much more common red headed step-sister, "demerits" )

just saying...

DiabeticKripple

iTrader: (2)

I did some online quotes and it's around the same. Im the primary driver on my insurance, but the car is registered in my dads name.

It looks like 1800 per year without collision, 1200 without comprehensive.

And when he says modifying, I don't know if he means performance wise, or appearance wise. But he said no to tint lol.

soundjunky

iTrader: (4)

Jordan, there's an old saying;

It's easier to ask for forgiveness than to ask for permission.

I would not advocate you taking this stance with your parents, but with the insurance company - do not talk to them about modifying your car;
this will not impact your cars value, and would only raise red flags for an insurance company.

If they need to take pictures of your car, that's one thing, but most companies do not care to even see the car - they only deal in numbers, and theory... the less "extra" information you give them, the better off you will be.

soundjunky

iTrader: (4)

...granted, Nathan apparently was denied a payout on his car when he got in his accident- but I believe it had to do with extra circumstances, of which he for some reason will not share.

outtamymind

exactly the insurance companies don't really care because if something does happen (hope it doesn't) they just won't cover the cost of the aftermarket parts

in regards to nathan, had no insurance at the time and had his racing numbers on the side of his car. of course insurance wasn't going to cover him.

DiabeticKripple

iTrader: (2)

As far as the insurance company, it's a stock car with tinted tails. I still have my stock headlights, if they want pictures I'll just put them in before I go.

outtamymind

unless the car is over 12 years old i have never heard of an insurance company wanting pictures or anything information other then vin and safety of a vehicle.

soundjunky

iTrader: (4)

NO

Unless they see it, it's unmodified.

If they see it, and say it's modified, claim ignorance, and say you got it that way - after which if they request it, you put it back the way they want it (if this happens, and I were in your shoes, I'd offer to put it back to stock/correct).

Tinted taillights is (legally speaking) a safety concern - alot has changed in the last forty years in regards to tail light positioning and brightness, so if they wanted they could deny you (ect) should you acknowledge that you've changed your taillights, or in any way altered the brightness in which they appear.
This is the cusp of why you can get a ticket for tinted tail lights.

soundjunky

iTrader: (4)

some insurance companies, don't even require seeing a saftey;
if the car was registered, it is presumed by those companies to be saftied.

State Farm has never required, or asked for a safety from me.

DiabeticKripple

iTrader: (2)

I meant it as, if the don't want to see it, it has never been modified in anyway. But my tails are LEGAL, but yes they are modified.

soundjunky

iTrader: (4)

that is like saying tinted windows are legal on the basis of not getting a ticket.
by the letter of the law, tinted tail lights are in fact illegal.

thedude411

iTrader: (1)

Even if the tail lights r oem there's still a chance they can be illegal lol. Like the g8 gt taillights being illegal in Maryland. True story.

outtamymind

hahaha i remember that, that was hilarious