Well my current mods are:
Heat Wrapped Headers, Borla Hush CBE, Crucial UP & DP, Omori Boost & EGT Gauges mounted in an Autometer 52mm Bezel Pod, Gun Metal Rota Torque 17's, Yoko AVS ES100's, Eibach Pro Kit Springs, KYB AGX Struts, Fumoto Oil Drain Valve, Rock Blocker Clear Bra, K&N Drop-In, Mr. Josh's Solid Endlinks, Intake Silencer Delete, and an '02-'03 Sedan Rear Anti-Sway Bar. ECUTek Tune coming soon...
So I don't think I have much to worry about, but I assume some states may be more anti-mod than others. I mean if my supposed 227 hp car has 300 hp and I get in an accident that isn't my fault, I don't want to find out my mods automatically endite me.
I should call my insurance company and ask them their policy, but even if they say I can mod, that doesn't mean they'll necesarily protect me from a lawsuit that claims my mods caused an accident. I'm hoping for some NV specific experience.
I started a similar thread on WRXF and Fireguyrick claims State Farm will reimberse him for all of his mods as well as the blue book of the car if he totals it. I find that amazing, but he has already taken them up on this offer with a previous car and aside from a two month investigation, they paid up.
Here's the quote:
Quote:
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I have State Farm. State Farms does not charge for insuring aftermarket parts. With State Farm you need to keep receipts and take before and after photos. This is proof you will NEED provided something happens. If the car becomes a loss, they will reimburse me the blook book value of the car, along with the cost I paid for the parts (Not depreciated value, if I paid $10K they give me $10K). They do not pay for install costs, as far as I know, and I am not sure about tuning....but that stuff usually is not that bad. EXPECT the claims process to take ALOT longer with issues like this. The wife and I had a car stolen and stripped about 2-3 years ago. There were aftermarket parts on it. State Farm took about 2 months, they got us a loaner car in the mean time, while they investigated the incident. They wanted to make sure that we were not involved at all (standard thing apparently for claims larger then the blue book). In the end State Farm cut us a check for the blue book value PLUS the aftermarket parts. They did not drop us, and I do not believe they changed our rates.
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I mean there are several potential issues here. My insurance company could try to weasel out of repairing my car/other cars, other drivers could sue me for negligence or somthing. I don't know.