While the after market parts may not be covered (they are usually excluded), the damage to the vehicle will be covered even if it was directly caused by the after market part. I have been in the insurance business many years and we pay these claims every day, just as we pay for vehicles owned and damaged by drunk policyholders.
Quote:
|
Originally Posted by jhandy
read your policy to see if aftermarket modifications are covered.
You need to be realistic, your insurance company is just that, a company. They will be looking for any way to get out of paying for the damage.
I think that a good argument can be made that if you would not have had the NON_OEM modifications done, there would be no fire.
If my wheels come off because of my spacers and I wreck the car, they should not cover it because my spacers are not OEM equipment and therefor not approved for use. It increases the risk and if the would know about it, I am sure that they would put a ryder in my policy.
If you have been drinking and wreck your car, is it covered? Nope. because alcohol was not an approved method of driving.
IE... something else caused the fire, not a mechanical failure of the car itself, but rather something that you did to it.
Just my 2 cents.
James
|
Threaded Mode
