Mods on a CLK and your insurance company?
Thread Starter
Member
Joined: Nov 2001
Posts: 100
Likes: 0
CLK 320
Mods on a CLK and your insurance company?
How does car insurance work with modifications? When you modify your CLK, do you notify your insurance company? How do they know that you've added a Kleeman supercharger or 19" Carlsson wheels, for example? When you get into wreak, if your insurance doesn't know about your mods will they replace them? If you tell them about your mods before hand do they charge you more?
MBWorld Fanatic!
Joined: Nov 2001
Posts: 2,065
Likes: 1
From: Florida
2002 CLK 55 AMG Coupe ;)
Shah wrote:
Would appreciate comment from a spokesperson from the Insurance Industry.
Scenario:
CLK 430 w/ $20,000.- Kleeman supercharger installed.
Crash @ 180mph.
Charge: Reckless driving, manslaughter...
How does car insurance work with modifications? When you modify your CLK, do
you notify your insurance company? How do they know that you've added a
Kleeman supercharger or 19" Carlsson wheels, for example? When you get into
wreak, if your insurance doesn't know about your mods will they replace them? If
you tell them about your mods before hand do they charge you more?
you notify your insurance company? How do they know that you've added a
Kleeman supercharger or 19" Carlsson wheels, for example? When you get into
wreak, if your insurance doesn't know about your mods will they replace them? If
you tell them about your mods before hand do they charge you more?
Scenario:
CLK 430 w/ $20,000.- Kleeman supercharger installed.
Crash @ 180mph.
Charge: Reckless driving, manslaughter...
MBWorld Fanatic!
Joined: Nov 2001
Posts: 2,065
Likes: 1
From: Florida
2002 CLK 55 AMG Coupe ;)
Would appreciate comment by a spokesperson from the Insurance Industry.
Scenario:
2002 CLK 430 w/ $20,000.- Kleeman supercharger installed.
Crash @ 80mph.
Charge: Reckless driving, manslaughter...
Car totalled ...
Scenario:
2002 CLK 430 w/ $20,000.- Kleeman supercharger installed.
Crash @ 80mph.
Charge: Reckless driving, manslaughter...
Car totalled ...
Out Of Control!!
Joined: Nov 2001
Posts: 35,855
Likes: 3
From: Southern CA
Shah,
Just as if a passenger or item in your car were injured/damaged in an accident, your insurance company (providing you car is covered for more than liablity) would cover aftermarket products. It doesn't matter whether they are installed or in a box. This is why it's important to keep a receipt of your purchases. Not all products are easy to prove that you have (ECU tuning, cams, etc).
Just as if a passenger or item in your car were injured/damaged in an accident, your insurance company (providing you car is covered for more than liablity) would cover aftermarket products. It doesn't matter whether they are installed or in a box. This is why it's important to keep a receipt of your purchases. Not all products are easy to prove that you have (ECU tuning, cams, etc).
MBWorld Fanatic!
Joined: Nov 2001
Posts: 1,687
Likes: 0
From: Bay Area, CA
I called my insurance agent after I sent my car to Oberklasse. My agent had me send him a copy of my itemized invoice and pictures of my car. My insurance did not go up and all my modifications are covered.
Trending Topics
Former Vendor of MBWorld
Joined: Nov 2001
Posts: 930
Likes: 0
Insurance analogy
I see that you are asking for a insurance professional for a reply but... I couldnt help jumping in.
The car was capable of 80 mph in the frst place- having a Kompressor doesnt make it any more of a lethal weapon than before. The operator makes the car wreckless, not the car itself.
Liabilty insurance on automobiles is based almost entirely on the driver not the car, comprehensive premiums are dirived from the value/cost of the vehicle and repair costs.
In your scenario I would hope that the courts would see the fact that the drivers judgement had everthing to do with the outcome and not anything to do with vehicle. You can kill someone going 80 mph in your Subaru just as easily as in your MBZ.
If you document additions/modifcations to your car with your insurance carrier there will be no problem covering replacement costs. Premiums may increase as their liability increases- only seems fair really.
The car was capable of 80 mph in the frst place- having a Kompressor doesnt make it any more of a lethal weapon than before. The operator makes the car wreckless, not the car itself.
Liabilty insurance on automobiles is based almost entirely on the driver not the car, comprehensive premiums are dirived from the value/cost of the vehicle and repair costs.
In your scenario I would hope that the courts would see the fact that the drivers judgement had everthing to do with the outcome and not anything to do with vehicle. You can kill someone going 80 mph in your Subaru just as easily as in your MBZ.
If you document additions/modifcations to your car with your insurance carrier there will be no problem covering replacement costs. Premiums may increase as their liability increases- only seems fair really.
MB World Stories
The Best of Mercedes & AMG
Manual Mercedes? 6 Times Sindelfingen Let Drivers Have All The Fun
Verdad Gallardo
Mercedes SLR McLaren 722 S Is Extremely Rare Example Modified by McLaren
Verdad Gallardo
8 Classic Boxy Mercedes Designs That Have Aged Like Fine Wine
Verdad Gallardo
Flawlessly Restored Mercedes 190E Evo II Heads to Auction
Verdad Gallardo
Electric Mercedes C-Class Unveiled: 11 Things You Need to Know
Verdad Gallardo
Mercedes EQS Gets A Major Update: Everything You Need to Know
Verdad Gallardo
5 Underrated Mercedes-Benz Models That Don't Get the Love They Deserve
Verdad Gallardo
Mercedes 300D Has Pushed Well Past 1 Million Miles and It Ain't Stopping
Verdad Gallardo
10 Most Reliable Mercedes-Benz Models You Can Buy Used
Verdad Gallardo
Thread Starter
Member
Joined: Nov 2001
Posts: 100
Likes: 0
CLK 320
Has anyone actually been in a situation where their insurance company covered their mods? Or is this discussion "in-theory".
On BMWPlant, a guy mentioned that he had a car with $20K in mods and had receipts in hand, but the insurance company only reimbursed him for the car.
On BMWPlant, a guy mentioned that he had a car with $20K in mods and had receipts in hand, but the insurance company only reimbursed him for the car.
MBWorld Fanatic!
Joined: Nov 2001
Posts: 2,065
Likes: 1
From: Florida
2002 CLK 55 AMG Coupe ;)
Shah wrote:
I sure wish that a rep from State Farm and/or Allstate Insurance Cos. would respond to my two scenarios as postulated in my postings above, involving a crash, totalling a 2002 CLK 430 w/ $20,000.- Kleeman supercharger installed.
Charge: Reckless driving, manslaughter...
Car totalled ...
a) crash @ 180 mph
b) crash @ 80 mph
Has anyone actually been in a situation where their insurance company covered their mods? Or is this discussion "in-theory".
Charge: Reckless driving, manslaughter...
Car totalled ...
a) crash @ 180 mph
b) crash @ 80 mph
