I just received written notice from State Farm that voids insurance coverage on modified cars .....my agents comments are in the brackets.......
"Altered Vehicles- With the help of your buddies and a good mechanic, you've customized your car. Your car may be the envy of the neighborhood but it MAY NO LONGER BE INSURED. We DON'T provide coverage for such vehicles. Altered vehicles are those physically or mechanically altered in any of the following manners:
1) Contours changed in any significant fashion from manufacturers design (wide body kits, ground effects, custom bumpers, ect) 2) Centre of gravity/normal body 'level' has been materially changed (lowered suspensions) 3)Equipped with non-standard accelerating devices or equipment designed for unusual performance ie. nitrous oxide (turbo, superchargers, ect) 3)An engine NOT available from the manufacturer as a standard option for the year and model (modified motors including port &polish, modified heads, intakes, this area is a little grey ) 5) Extra-wide treaded tires designed and normally used for racing (this area is a little grey as well as the agent mentioned larger rim sizes plus materially wider rims and ultra high performance rubber that could be used both on the street or for track days)
" If your vehicle has been altered, you MUST notify your agent who can arrange for alternative coverage. "
Oh, the alternative coverage? find another insurer within 2 weeks as your insurance is cancelled. The other option is to return your car to 100% stock within 2wks.
I know at least one person who's had his insurance cancelled after he told State Farm about his mods which are a 1" lowering of the suspension on his Honda Civic.
"Altered Vehicles- With the help of your buddies and a good mechanic, you've customized your car. Your car may be the envy of the neighborhood but it MAY NO LONGER BE INSURED. We DON'T provide coverage for such vehicles. Altered vehicles are those physically or mechanically altered in any of the following manners:
1) Contours changed in any significant fashion from manufacturers design (wide body kits, ground effects, custom bumpers, ect) 2) Centre of gravity/normal body 'level' has been materially changed (lowered suspensions) 3)Equipped with non-standard accelerating devices or equipment designed for unusual performance ie. nitrous oxide (turbo, superchargers, ect) 3)An engine NOT available from the manufacturer as a standard option for the year and model (modified motors including port &polish, modified heads, intakes, this area is a little grey ) 5) Extra-wide treaded tires designed and normally used for racing (this area is a little grey as well as the agent mentioned larger rim sizes plus materially wider rims and ultra high performance rubber that could be used both on the street or for track days)
" If your vehicle has been altered, you MUST notify your agent who can arrange for alternative coverage. "
Oh, the alternative coverage? find another insurer within 2 weeks as your insurance is cancelled. The other option is to return your car to 100% stock within 2wks.
I know at least one person who's had his insurance cancelled after he told State Farm about his mods which are a 1" lowering of the suspension on his Honda Civic.
