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Old 08-27-2014, 07:22 PM   #526
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Already built... in Michigan... Just north of Detroit.... I-696...

Whats the speed limit?

We got the transcanada highway everyone drives fast as f on there but the speed limit isnt higher i dot think
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Old 08-27-2014, 07:36 PM   #527
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Whats the speed limit?

We got the transcanada highway everyone drives fast as f on there but the speed limit isnt higher i dot think
speed limit? HA! Maybe more like a speed recommendation....
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Old 08-27-2014, 09:04 PM   #528
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Whats the speed limit?

We got the transcanada highway everyone drives fast as f on there but the speed limit isnt higher i dot think
It's just 100 on most transcanada hwys here in BC.. 110 once you're far out from the city. Yet there are effing rcmp popos chilling like a duck in their chevys every few kms.

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Old 08-27-2014, 10:03 PM   #529
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I still want to head up to the track in NH. We had a few in So Cal, Pam on a Speedway was doing 1/4 miles but closed to the public and not sure if it's reopened. Fontana as well. San Diego has an 1/8 at Qualcomm. Not much else considering all the fast and furious Hondas are lurking. Just give them a place to run their low 14s so they don't cause accidents on the freways.
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Old 08-27-2014, 10:37 PM   #530
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4 hours??? That's a cake walk!

Some of the places i've driven to go drag racing...

Saginaw, MI to Orlando, FL - 18 hours
Saginaw, MI to Atco, NJ - 11 Hours (got caught in snow storm with DRAG RADIALS on!!! WOOOHOOO!!!!)
Saginaw, MI to Mechanicsville, MD - 10 hours
Saginaw, MI to Tulsa, OK - 14 hours


Do you have any 1/8th miles tracks closer?
That I do!
45 mins, keep in mind tho.
I'm a college student, and now I'm even more broke than before, so I really don't want to take any excessive risks

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Old 08-27-2014, 11:25 PM   #531
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That I do!
45 mins, keep in mind tho.
I'm a college student, and now I'm even more broke than before, so I really don't want to take any excessive risks

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Your kind of past excessive risks since doing the turbo install lol
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Old 08-27-2014, 11:51 PM   #532
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I still want to head up to the track in NH. We had a few in So Cal, Pam on a Speedway was doing 1/4 miles but closed to the public and not sure if it's reopened. Fontana as well. San Diego has an 1/8 at Qualcomm. Not much else considering all the fast and furious Hondas are lurking. Just give them a place to run their low 14s so they don't cause accidents on the freways.
Fontana Speedway opened up a few months back I've been going there like once a month. & it's more like low 15s for most of them! Lmao.
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Old 08-27-2014, 11:52 PM   #533
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Your kind of past excessive risks since doing the turbo install lol
+1 Lmao. Run it!
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Old 08-28-2014, 12:44 AM   #534
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But then you aren't covered if anything happens!

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Old 08-28-2014, 04:28 AM   #535
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But then you aren't covered if anything happens!

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You're assuming he's covered now.... Has he read his insurance policy? I know there are some insurance companies that have in the fine print that modding your vehicle like this will void your policy... Also, if you are careful and are smart of about things, chances are you won't wreck at the track... yes, sh*t happens, but for the most part for him to wreck would really take a serious error on his part...
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Old 08-28-2014, 07:04 AM   #536
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Modifications do not void insurance policies. However, they will only give you the value of the car stock unless you declare the modifications to them. Which of course will raise your rates.

Basically they'll cover you, but won't pay a dime to replace your modifications.

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Old 08-28-2014, 07:32 AM   #537
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Wrong, modifications do not void insurance policies. However, they will only give you the value of the car stock unless you declare the modifications to them. Which of course will raise your rates.

Basically they'll cover you, but won't pay a dime to replace your modifications.

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They bought me a new set of forgestars when I got into my wreck

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Old 08-28-2014, 07:42 AM   #538
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They bought me a new set of forgestars when I got into my wreck

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If they're the same estimated value of your stock parts or less, that's one thing. Keep in mind the list price for OEM parts is crazy. Did you tell them you had them prior to the wreck? Or did they just cut you a check and you bought them again?

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Old 08-28-2014, 07:47 AM   #539
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You can cover all your after market modifications also. From wheels, exhaust, anything really.

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Old 08-28-2014, 07:52 AM   #540
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Yea meant while at the track

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Old 08-28-2014, 08:16 AM   #541
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Yea meant while at the track

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Ahh, I must have not seen that part. Early morning and whatnot. I believe a lot of them would void it if it was at the track. I'm about 90% sure mine does.

People always joke that if you wreck at the track, get someone to tow you to a local road, THEN call the insurance company haha. Not exactly on the up and up and I don't even know if that would work lol

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Old 08-28-2014, 09:12 AM   #542
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I didn't say it specifically that was my bad, late night response lol. I was trying to get it right after he said unneeded risk!

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Old 08-28-2014, 08:32 PM   #543
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Modifications do not void insurance policies. However, they will only give you the value of the car stock unless you declare the modifications to them. Which of course will raise your rates.

Basically they'll cover you, but won't pay a dime to replace your modifications.

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It varies from company to company, policy to policy....

Read this article:

http://www.nytimes.com/2008/05/11/au...anted=all&_r=0

Here is one quick example:

Mercury Insurance Company v. Markham started as an accident in 2002. It began wending its way through the court system in 2009, went to appeal in 2010 and still isn't done yet.

The insured, Michael Roberts, purchased an insurance policy from his agent for his Ford F-250 truck (in 2002).
A question on the Mercury application asked whether the vehicle had been "rebuilt, salvaged, modified, altered or specifically built/customized". Mr. Roberts answered 'no' to this question. However this was not accurate. He had put on a lift kit and replaced the stock tires and wheels with oversized tires/wheels.
Mercury's underwriting rules specifically instructed their agents to refuse to offer coverage in the event that someone answers 'yes' to the above question.
Philip Markham - a 3rd party - was injured when his foot and ankle was run over by Mr. Roberts' truck. He filed a claim for his injury.
When Mercury Insurance learned of the modifications, they rescinded the policy (cancelled it as if it never existed) and refunded the premium paid for it back to Mr. Roberts. Lacking the existence of a policy, Mercury refused any further involvement.
Mr. Roberts settled personally with Mr. Markham in the amount of $350,000. The settlement allowed Mr. Markham to proceed against Mercury in a further attempt to collect additional funds.



Should I Report My Car's Mods?
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Old 08-28-2014, 09:13 PM   #544
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It varies from company to company, policy to policy....

Read this article:

http://www.nytimes.com/2008/05/11/au...anted=all&_r=0

Here is one quick example:

Mercury Insurance Company v. Markham started as an accident in 2002. It began wending its way through the court system in 2009, went to appeal in 2010 and still isn't done yet.

The insured, Michael Roberts, purchased an insurance policy from his agent for his Ford F-250 truck (in 2002).
A question on the Mercury application asked whether the vehicle had been "rebuilt, salvaged, modified, altered or specifically built/customized". Mr. Roberts answered 'no' to this question. However this was not accurate. He had put on a lift kit and replaced the stock tires and wheels with oversized tires/wheels.
Mercury's underwriting rules specifically instructed their agents to refuse to offer coverage in the event that someone answers 'yes' to the above question.
Philip Markham - a 3rd party - was injured when his foot and ankle was run over by Mr. Roberts' truck. He filed a claim for his injury.
When Mercury Insurance learned of the modifications, they rescinded the policy (cancelled it as if it never existed) and refunded the premium paid for it back to Mr. Roberts. Lacking the existence of a policy, Mercury refused any further involvement.
Mr. Roberts settled personally with Mr. Markham in the amount of $350,000. The settlement allowed Mr. Markham to proceed against Mercury in a further attempt to collect additional funds.



Should I Report My Car's Mods?
There is one thing that sticks out to me in that case and something the insurance company could base their argument on. The lift kit itself and bigger tires led to less visibility, increasing the odds of him running over someone's foot.

Now if it's a modification that has nothing to do with the accident, what grounds do they have to "void" the policy?

As far as if are fire's turbo explodes, that's obviously not going to be covered because it caused the incident. However, in the event of a normal accident, his fault or not, shouldn't be voided.

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Old 08-28-2014, 09:33 PM   #545
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There is one thing that sticks out to me in that case and something the insurance company could base their argument on. The lift kit itself and bigger tires led to less visibility, increasing the odds of him running over someone's foot.

Now if it's a modification that has nothing to do with the accident, what grounds do they have to "void" the policy?

As far as if are fire's turbo explodes, that's obviously not going to be covered because it caused the incident. However, in the event of a normal accident, his fault or not, shouldn't be voided.

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At some point in time I plan on getting good insurance...
And by some point in time I mean when I'm actually working in my desired field.. and not doing this part time stuff because mustang.


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Old 08-29-2014, 04:27 AM   #546
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There is one thing that sticks out to me in that case and something the insurance company could base their argument on. The lift kit itself and bigger tires led to less visibility, increasing the odds of him running over someone's foot.

Now if it's a modification that has nothing to do with the accident, what grounds do they have to "void" the policy?

As far as if are fire's turbo explodes, that's obviously not going to be covered because it caused the incident. However, in the event of a normal accident, his fault or not, shouldn't be voided.

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Key word is "shouldn't"... base on the article and others i've found, some policies are written with such complicated language, a mod like a turbo could in fact cause the insurance company to cancel your policy...

Also found this one:

"like AAA Insurance in Michigan. “Here at AAA Michigan, we will cover a car beyond whatever the factory has installed up to $1,000,” said Nancy Cain, a company spokeswoman."

"You also need to check your existing policy to see what is and what is not covered.

The critical passages to read? “There are conditions, then there are exclusions, then there are exceptions to exclusions,” said Jonathan G. Stein, a lawyer in Elk Grove, Calif., who represents drivers in insurance cases.

Beware of broad exemptions. Many contracts exclude “racing parts” without noting what they are. A tachometer? Grippy tires? A supercharger? Ask your agent for a definition in writing."

the full article: http://www.nytimes.com/2008/05/11/au...ted=print&_r=0

You took the position that:

"Modifications do not void insurance policies. However, they will only give you the value of the car stock unless you declare the modifications to them. Which of course will raise your rates."

I'm simply pointing out things are definitely not that cut and dry!!!! There is no way you can apply such a blanket statement to car insurance.
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Old 08-29-2014, 06:36 AM   #547
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Esurance covers me for X amount in "aftermarket" parts. None of them really cause a risk, but that would be something I would review in the case of turbo charging. I have NEVER heard of a company offering car insurance that covers track use at the same price. If it is "the same price" I imagine that company drastically overcharges in general.

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Old 08-29-2014, 08:02 AM   #548
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Esurance covers me for X amount in "aftermarket" parts. None of them really cause a risk, but that would be something I would review in the case of turbo charging. I have NEVER heard of a company offering car insurance that covers track use at the same price. If it is "the same price" I imagine that company drastically overcharges in general.

Luke 11:9-10 “So I say to you ...*search and you will find; knock and the door will be opened to you.
You can get specialty insurance that'll cover your mods and will cover your track days

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Old 08-29-2014, 08:40 AM   #549
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Well....
They'll for sure cover your mods... not sure about on the track

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Old 08-29-2014, 09:08 AM   #550
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Well....
They'll for sure cover your mods... not sure about on the track

The real... boss 227

Yep, some do and some don't. USAA told me they would cover up to $10K in mods then I saw where it was in the writing. Problem is after that I'm on my own if my mods cost more than that. Absolutely no track use coverage.
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Old 08-29-2014, 09:15 AM   #551
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Yep, some do and some don't. USAA told me they would cover up to $10K in mods then I saw where it was in the writing. Problem is after that I'm on my own if my mods cost more than that. Absolutely no track use coverage.
I know companies like hagerty and grundy will work with you on mods, because they're "specialty" insurance companies. I've read that you can get supplemental track insurance, but i bet it costs a ton.

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Old 08-29-2014, 09:41 AM   #552
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Since we are on insurance..

I have Progressive and they cover everything on my Z28. As long as I have a receipt and have some way of identifying parts, they will cover it. Last I checked, they were covering over $7,000 in mods on that car alone and I don't think I'm paying anything extra for it.

They also cover mods on all of my quads. So if one of my quads were to be stolen, I would get the price for the quad plus the price for all of the mods. Which between the two quads is over $10,000. I think I might pay extra for that but I think they cover $3,500 in motorcycle/ATV/dirt bike mods.
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Old 08-29-2014, 09:45 AM   #553
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Since we are on insurance..

I have Progressive and they cover everything on my Z28. As long as I have a receipt and have some way of identifying parts, they will cover it. Last I checked, they were covering over $7,000 in mods on that car alone and I don't think I'm paying anything extra for it.

They also cover mods on all of my quads. So if one of my quads were to be stolen, I would get the price for the quad plus the price for all of the mods. Which between the two quads is over $10,000. I think I might pay extra for that but I think they cover $3,500 in motorcycle/ATV/dirt bike mods.
3 months ago, my mom asked our insurance company (gieco) if they would cover a turbo -.-
They said no, and that they only cover cosmetic modifications (wheels included) and audio. They said any modification to any performance aspect of the vehicle isn't covered.

I've got the perfect ricer insurance... too bad I'm not a ricer..

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Old 08-29-2014, 09:55 AM   #554
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3 months ago, my mom asked our insurance company (gieco) if they would cover a turbo -.-
They said no, and that they only cover cosmetic modifications (wheels included) and audio. They said any modification to any performance aspect of the vehicle isn't covered.

I've got the perfect ricer insurance... too bad I'm not a ricer..

The real... boss 227
They must cover soooooo many Honda Civics.

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Old 08-29-2014, 10:23 AM   #555
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3 months ago, my mom asked our insurance company (gieco) if they would cover a turbo -.-
They said no, and that they only cover cosmetic modifications (wheels included) and audio. They said any modification to any performance aspect of the vehicle isn't covered.

I've got the perfect ricer insurance... too bad I'm not a ricer..

The real... boss 227
They cover everything from the nitrous setup to the heads and valve springs to the drive shaft safety loop. Basically, if I have a receipt and a picture of it in or on the car, it's covered.


Several years ago, my aunt backed over my Z28 in her Jeep Liberty and I do mean backed over it (her rear tire was through the window on the hatch). There was over $7,000 in damage and they estimated the car was valued around $10,000. They were going to total it, however, the car also had all of the mods insured on it raising the value of the car to the point that it wouldn't be totaled, or so they said.

I think it was just their way of not having to pay an F ton of money for a totaled car with mods when they knew they would lose their asses on it.
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Old 08-29-2014, 12:55 PM   #556
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Originally Posted by Ish416 View Post
They cover everything from the nitrous setup to the heads and valve springs to the drive shaft safety loop. Basically, if I have a receipt and a picture of it in or on the car, it's covered.


Several years ago, my aunt backed over my Z28 in her Jeep Liberty and I do mean backed over it (her rear tire was through the window on the hatch). There was over $7,000 in damage and they estimated the car was valued around $10,000. They were going to total it, however, the car also had all of the mods insured on it raising the value of the car to the point that it wouldn't be totaled, or so they said.

I think it was just their way of not having to pay an F ton of money for a totaled car with mods when they knew they would lose their asses on it.
Yea, but that's assuming that the insurance company knows and incorporates the value of the mods in your rates. For example if you have a car valued at 2,000 book value and pay rates for a car valued at 2,000. If it gets totaled you cant suddenly give them receipts for 20,000 and expect a 22,000 payoff.

Most insurance companies will insure any additional amount over book value given you have receipts and proof beforehand and pay the additional fee for the additional coverage.
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Old 08-29-2014, 02:23 PM   #557
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I think esurance only goes to about 7k. Enough for me. I am sure it costs more, but I have always had it.



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Old 08-29-2014, 08:01 PM   #558
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Originally Posted by alrefire View Post
I've read that you can get supplemental track insurance, but i bet it costs a ton.

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The supplemental track insurance isn't all that expensive. Last time I checked it was only about $500 for the season. The track has to be sanctioned though so if it is a drag strip and not NHRA or IHRA, then the insurance won't cover you. You select the option to cover you in the pits and on the track, or just on the track.

I'll have to find the website again and post it. With the car down this year I haven't had to go to it at all.
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Old 08-29-2014, 08:08 PM   #559
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The supplemental track insurance isn't all that expensive. Last time I checked it was only about $500 for the season. The track has to be sanctioned though so if it is a drag strip and not NHRA or IHRA, then the insurance won't cover you. You select the option to cover you in the pits and on the track, or just on the track.

I'll have to find the website again and post it. With the car down this year I haven't had to go to it at all.
Thank you so much!

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Old 08-29-2014, 10:10 PM   #560
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Update!
My friend is letting me use his go pro on monday! I will have vids monday afternoon

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