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-   -   Insurance (http://www.wranglerforum.com/f274/insurance-141297.html)

vwphibs 02-21-2012 04:57 PM

Insurance
 
I have ordered my first Jeep, a 2012 JKUR Winter Chill on 2/4 and would like to modify it with an AEV 3.5" lift and 35" tires. When I talked to my insurance company about adding the Jeep I was told that they will not insure a modified vehicle. So I was just curious what insurance companies people have found or use that accepts modified Jeeps and has decent rates? Did you even tell your insurance that you were going to modify it? Apparently I didn't cover all my bases before I placed my order :banghead:

jefferyfghezzi 02-21-2012 05:05 PM

I have a collector car and I have CHUBB. If you pay the premium,I believe they will insure anything if you have a clean license. If you have violations forget it.

schnizdawg 02-21-2012 05:06 PM

That's strange. I have had either Esurance and Farmers, whichever is cheaper at renewal time ask if I would like to insure any aftermarket modifications for a slight bump in premium, like $10 a month bump. That covers theft of or damaged parts the factory didn't put on. Haven't heard of an insurance company flat out tell someone they won't cover a person over it. Usually insurance companies will find a way to charge you extra first before turning away your business.

MTH 02-21-2012 05:19 PM

Quote:

Originally Posted by vwphibs (Post 2058434)
I have ordered my first Jeep, a 2012 JKUR Winter Chill on 2/4 and would like to modify it with an AEV 3.5" lift and 35" tires. When I talked to my insurance company about adding the Jeep I was told that they will not insure a modified vehicle. So I was just curious what insurance companies people have found or use that accepts modified Jeeps and has decent rates? Did you even tell your insurance that you were going to modify it? Apparently I didn't cover all my bases before I placed my order :banghead:

Not quite--I think you probably misunderstood.

My bet is you were told they won't insure modifications on the vehicle, not that they won't insure a modified vehicle. Those are very different things. So when your solid gold shocks, platinum wheels, and diamond encrusted shift knob are stolen along with the rest of the vehicle, you can count on them declining to pay you $100,000 to cover your losses.

Your jeep will however in fact be insured, but only to the value the insurance company would place on the vehicle in its stock form.

kbwwolf 02-21-2012 05:37 PM

Quote:

Originally Posted by vwphibs (Post 2058434)
I have ordered my first Jeep, a 2012 JKUR Winter Chill on 2/4 and would like to modify it with an AEV 3.5" lift and 35" tires. When I talked to my insurance company about adding the Jeep I was told that they will not insure a modified vehicle. So I was just curious what insurance companies people have found or use that accepts modified Jeeps and has decent rates? Did you even tell your insurance that you were going to modify it? Apparently I didn't cover all my bases before I placed my order :banghead:

My insurance company, Sentry, insures my Jeep AND the mods...the ones that I submitted receipts for anyway. Bigger stuff like lift, rims, bumpers, aftermarket soft top, sPOD etc.

I gotta pay extra, but basically if I roll the thing over the Continental Divide, I won't be out all the extra $$ I've sunk into the thing. :thumb:

flyinion 02-21-2012 06:17 PM

Quote:

Originally Posted by kbwwolf (Post 2058573)
My insurance company, Sentry, insures my Jeep AND the mods...the ones that I submitted receipts for anyway. Bigger stuff like lift, rims, bumpers, aftermarket soft top, sPOD etc.

I gotta pay extra, but basically if I roll the thing over the Continental Divide, I won't be out all the extra $$ I've sunk into the thing. :thumb:

Yep, not sure what company the OP is using, but most of the ones I've looked at just want to know what you have on and that's only if you want the mods insured. If you have replaced your wheels & tires they will insure those too, but you have to let them know. If something happens to an aftermarket item that replaces a stock item, like say you get your aftermarket wheels stolen, they might pay but only for the cost of replacing stock ones. I know this particular example from experience.

Eaglektd 02-21-2012 06:28 PM

Quote:

Originally Posted by flyinion (Post 2058708)
If something happens to an aftermarket item that replaces a stock item, like say you get your aftermarket wheels stolen, they might pay but only for the cost of replacing stock ones.

x2^

I had this work in my favor when some dumb cooze hit my BMW and cracked an aftermarket wheel I had put on it. The OEM wheels ended up costing more to replace than the nicer (in my opinion) aftermarket ones I had on there so I ended up replacing the lower control arms with the extra money I had left over. I've never told my insurance company of any mods I have done but that's mostly because I'm lazy and always forget to call them.

JDsDream 02-21-2012 06:47 PM

I'm with State Farm. I asked my agent about coverage of the modifications and I was told that everything added to the Jeep would be covered as long as I kept my receipts. It is not costing anything extra to cover them.

vwphibs 02-21-2012 07:13 PM

Thank you everyone for the info. I was using Liberty Mutual because I got a discount through my employer. I called today and was denied when I was asked if I was going to do a lift or any other modifications. The agent stated they won't insure a modified vehicle because it could cause greater damage or death if involved with a vehicle smaller then it. So I will be calling around to switch insurance companies and it sounds like State Farm might be the way to go.

joe002 02-21-2012 08:13 PM

Quote:

Originally Posted by MTH (Post 2058514)
Not quite--I think you probably misunderstood....
Your jeep will however in fact be insured, but only to the value the insurance company would place on the vehicle in its stock form.

Not necessarily...

Before I got my insurance with Geico I talked to a local rep and told them I had a 2.5” lift, 35s, winch, etc. - I gave them the list, I also told them that I drive it “off-road” They came back and said all OK, driving “off-road” is OK so I signed up. Later, I talked to a GEICO estimator, and he said they don’t insure the winch, but everything else was OK. I re-contacted the sales people and they said, sorry, yeah the winch itself wasn’t covered. I asked if they were sure everything else was OK, and they said yes. Later, I was contacted by the GEICO underwriter. She asked if it was lifted and if it had a winch. I said sure, but I understood the winch wasn’t covered. She informed me that they do not insure vehicles with a lift and vehicles with a winch. She said my policy for the Jeep would be terminated when it came due - I got a letter from them stating that my other vehicles were OK, but the Jeep would be dropped when the policy was renewed.

I switched to Progressive and purchased a $10K rider to cover all of my upgrades (including the winch)…

kbwwolf 02-21-2012 08:16 PM

Quote:

Originally Posted by JDsDream (Post 2058843)
I'm with State Farm. I asked my agent about coverage of the modifications and I was told that everything added to the Jeep would be covered as long as I kept my receipts. It is not costing anything extra to cover them.

Now that's how to do business. :thumb:

kjeeper10 02-21-2012 08:25 PM

Anybody have progressive? Ya- the one with that fugly clown looking......

Anyhow... I will have to look into this :)

joe002 02-21-2012 08:28 PM

Quote:

Originally Posted by kjeeper10 (Post 2059314)
Anybody have progressive? Ya- the one with that fugly clown looking......

Anyhow... I will have to look into this :)

Quote:

Originally Posted by joe002 (Post 2059229)
...I switched to Progressive and purchased a $10K rider to cover all of my upgrades (including the winch)…

.....

kjeeper10 02-21-2012 08:34 PM

Quote:

Originally Posted by joe002

.....

Fail :hide:

Thanks ..

joe002 02-21-2012 08:41 PM

Quote:

Originally Posted by kjeeper10 (Post 2059386)
Fail :hide:

Thanks ..

Sometime I think I'm invisible. :)

The most important thing I learned was that the Sales people may not know everything about the policy, the Estimators seem to know more, and the Underwriters know exactly what will be covered. If you can talk with the Underwriter you'll be in the best position.

Also, I figure if your policy sates that aftermarket parts are covered in the policy, and especially if you are paying for the extra insurance, you can expect that they will be covered.

kjeeper10 02-21-2012 08:49 PM

Quote:

Originally Posted by joe002
Sometime I think I'm invisible. :)

The most important thing I learned was that the Sales people may not know everything about the policy, the Estimators seem to know more, and the Underwriters know exactly what will be covered. If you can talk with the Underwriter you'll be in the best position.

Also, I figure if your policy sates that aftermarket parts are covered in the policy, and especially if you are paying for the extra insurance, you can expect that they will be covered.

You posted while I was away from the thread, totally missed it.


That's BS with Geico :(

joe002 02-21-2012 08:52 PM

Quote:

Originally Posted by kjeeper10 (Post 2059472)
You posted while I was away from the thread, totally missed it.


That's BS with Geico :(

Yeah. I honestly think the Geico Sales people had no idea - they really seemed surprised by the Underwriters opinion and actions.

The annoying part is the keep sending me literature to please come back. :facepalm:

Kelsey73 02-21-2012 08:53 PM

Quote:

Originally Posted by JDsDream
I'm with State Farm. I asked my agent about coverage of the modifications and I was told that everything added to the Jeep would be covered as long as I kept my receipts. It is not costing anything extra to cover them.

My pop convinced me to switch to state farm. He has a GT500KR which basically has over 30K in mods and state farm insures as a normal GT500 and will cover the mods if he has the Shelby window sticker. Did the same on my Shelby GT.

flyinion 02-22-2012 12:46 AM

Quote:

Originally Posted by joe002 (Post 2059229)
Not necessarily...

Before I got my insurance with Geico I talked to a local rep and told them I had a 2.5” lift, 35s, winch, etc. - I gave them the list, I also told them that I drive it “off-road” They came back and said all OK, driving “off-road” is OK so I signed up. Later, I talked to a GEICO estimator, and he said they don’t insure the winch, but everything else was OK. I re-contacted the sales people and they said, sorry, yeah the winch itself wasn’t covered. I asked if they were sure everything else was OK, and they said yes. Later, I was contacted by the GEICO underwriter. She asked if it was lifted and if it had a winch. I said sure, but I understood the winch wasn’t covered. She informed me that they do not insure vehicles with a lift and vehicles with a winch. She said my policy for the Jeep would be terminated when it came due - I got a letter from them stating that my other vehicles were OK, but the Jeep would be dropped when the policy was renewed.

I switched to Progressive and purchased a $10K rider to cover all of my upgrades (including the winch)…

Well, crap, looks like I might be switching from GEICO in the future then :banghead:

christina.campbell46 02-27-2012 12:20 AM

You might want to use one of them online auto insurance calculators. There are some pretty reputable companies that do insure modified vehicles, so keep looking around. If you’re a senior, you can get discounts with the AARP.

LBrito 02-27-2012 12:27 AM

USAA -- My wife crashed my Tundra head on to another vehicle, it has a aftermarket winch bumper and mods. USAA told me that they will repair my truck back to its original pre-accident condition. I called them when it happened because I was concerned they'd put on a OEM bumper and stuff and the OME lift, etc. Everything was covered for replacement, including my "blacked out" head lights, that was a custom mod.
Indeed, they brought it back to exactly the way it was.
No haggles, no lecture on not covering it next time, just straight up fix.
Guess it depends on each company.
If you can get USAA, I definitely recommend them!

CUL8R 02-27-2012 12:50 AM

Quote:

Originally Posted by LBrito (Post 2078640)
USAA -- My wife crashed my Tundra head on to another vehicle, it has a aftermarket winch bumper and mods. USAA told me that they will repair my truck back to its original pre-accident condition. I called them when it happened because I was concerned they'd put on a OEM bumper and stuff and the OME lift, etc. Everything was covered for replacement, including my "blacked out" head lights, that was a custom mod.
Indeed, they brought it back to exactly the way it was.
No haggles, no lecture on not covering it next time, just straight up fix.
Guess it depends on each company.
If you can get USAA, I definitely recommend them!


I'll second the USAA recommendation. They've always treated us well on our cars and homeowner's insurance. The only drawback is that they don't insure motorcycles (They refer you to progressive for motorcycles).

Lab Lover 02-27-2012 12:59 AM

Quote:

Originally Posted by joe002 (Post 2059229)
Not necessarily...

Before I got my insurance with Geico I talked to a local rep and told them I had a 2.5” lift, 35s, winch, etc. - I gave them the list, I also told them that I drive it “off-road” They came back and said all OK, driving “off-road” is OK so I signed up. Later, I talked to a GEICO estimator, and he said they don’t insure the winch, but everything else was OK. I re-contacted the sales people and they said, sorry, yeah the winch itself wasn’t covered. I asked if they were sure everything else was OK, and they said yes. Later, I was contacted by the GEICO underwriter. She asked if it was lifted and if it had a winch. I said sure, but I understood the winch wasn’t covered. She informed me that they do not insure vehicles with a lift and vehicles with a winch. She said my policy for the Jeep would be terminated when it came due - I got a letter from them stating that my other vehicles were OK, but the Jeep would be dropped when the policy was renewed.

I switched to Progressive and purchased a $10K rider to cover all of my upgrades (including the winch)…

Was this very long ago? I'm asking because my 02 Wrangler has a 2" lift and Geico has never said anything about it, or the winch. I originally insured it with them in 04 and they took pictures of it at the time. Maybe it slipped through the system, but they've never questioned anything over the years.

Geico aslo paid off our 97 that my husband rolled off a huge cliff. They never asked any questions or gave me any problems. They did ask if the 1,200 tow/recovery bill was correct, they were shocked at the amount. Lol, it was a really big ravine :facepalm:

I don't think I'll mention the lift, just in case when I insure the new Rubicon I've got on order.

seanpholman 02-27-2012 01:10 AM

Quote:

Originally Posted by JDsDream (Post 2058843)
I'm with State Farm. I asked my agent about coverage of the modifications and I was told that everything added to the Jeep would be covered as long as I kept my receipts. It is not costing anything extra to cover them.

Totally correct and why I will always be with State Farm.

--Sean

Pushrod 02-27-2012 03:37 AM

Since insurance companies have the politicians in their back pocket they do what they want. They manage to get mandatory coverage laws in place and then deny coverage if they think you are a risk of costing them money. I was denied insurance coverage by All State when I bought a new Nissan 300ZX some years ago and had a perfect driving record. The underwriter sent my money back in a letter that stated that they didn't cover some sports cars due to them being higher risk vehicles and it was not a matter of driving record, just their policy.


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