Insurance
07-30-2003, 06:28 AM
#4
4th Gear Member
Join Date: Jun 2003
Location: B'ham, WA
Posts: 1,484
Insurance
I don't know that it's fraud... but it is skating on thin ice. You're theoretically supposed to disclose when you've messed with the car in such a way that would drastically change the characteristics or value. You run the risk of them paying out to replace an 84 4-banger.
07-30-2003, 11:25 AM
#6
1st Gear Member
Join Date: Apr 2003
Location: United States
Posts: 85
Insurance
When i called for insurance, the only thing he asked me for was the VIN number, and my personal information. When i got the car the swap was basically done except for a few things. For all i know that is the original everything in the car.
07-30-2003, 04:22 PM
#7
4th Gear Member
Join Date: Jun 2003
Location: B'ham, WA
Posts: 1,484
Insurance
But that's not what you know. Usually (in my experience anyway) they verify the engine and drivetrain. Don't be surprised if they total out the car for a minor fender bender (4-cyls aren't worth squat, really, hence the cheap insurance).
07-30-2003, 05:01 PM
#8
I ♥ Acer
Join Date: Jul 2003
Location:
Posts: 11,394
Insurance
well they will also on 8 cyl car to...because the car s are worth more in parts than on a whole I know this first hand..
I wouldn't tell them ****
155.00 6 months?...it that just libilaty?
I have a 89.5 5.0 lx they total it on 3200.00 car had 54k on it I bought it back for 400.00 put 500.00 in it you can't tell where it was hit...I even reused the front bumber most went for a fiberglass hood.....the guy told me he has a list of 15 places who wants wrecked 'stang to part out.
I only pay 248 ever 6 month but I'm like 100 year's old<edited><editID>vfast</editID><editDate>37833.6277662037</editDate></edited>
I wouldn't tell them ****
155.00 6 months?...it that just libilaty?
I have a 89.5 5.0 lx they total it on 3200.00 car had 54k on it I bought it back for 400.00 put 500.00 in it you can't tell where it was hit...I even reused the front bumber most went for a fiberglass hood.....the guy told me he has a list of 15 places who wants wrecked 'stang to part out.
I only pay 248 ever 6 month but I'm like 100 year's old<edited><editID>vfast</editID><editDate>37833.6277662037</editDate></edited>
07-31-2003, 05:02 PM
#10
4th Gear Member
Join Date: Jun 2003
Location: B'ham, WA
Posts: 1,484
Insurance
Yeah, liability only. One of the joys of a salvage title is that I can't get comp until I have receipts and pictures showing everything is complete. They're requiring me to put a stereo back in it too. Oh well.
I'm paying about 1600 a year for
liability on my 91 GT vert, 86 W250, and full on my '01 RS, with high payout limits and low deductibles.
I need to talk to another department at USAA about getting declared value insurance for the truck and mustang, as they're both pretty customized (ram's lifted with a couple grand in the motor, gt's got almost 6k in the motor)
I'm paying about 1600 a year for
liability on my 91 GT vert, 86 W250, and full on my '01 RS, with high payout limits and low deductibles.
I need to talk to another department at USAA about getting declared value insurance for the truck and mustang, as they're both pretty customized (ram's lifted with a couple grand in the motor, gt's got almost 6k in the motor)