Insurance....merged Topic....

[Mondie]

There is no way edit would be legal. There is the conundrum, tell them or hope they dont find it (which they probably never would)

[gassit]

Ummmmmmmmmmmmmmmmm

What's an Edit?

If you don't tell them neither will I

[stang]

my question is if you tell them and its listed can they get out of it by saying its not legal?

[Mondie]

  stang said:

my question is if you tell them and its listed can they get out of it by saying its not legal?

l think they can by telling you that you are covered provided the mod IS legal. Puts the onus on you not them. Its upto you to decide if it is, they will decide at the time of the claim if it is or not

[Trough Lolly]

insurance company would NEVER know your car is edited anyways... the assessor only looks for "visual" modifications like superchargers and lowered suspension if a claim is made. IMO what they dont know wont hurt them.

[physh]

Assuming the modification (of any type!) is legal in your state of registration, then just tell your insurance agency up front that the modification has been made.

If it is noted on the policy in some form (preferably specifically "retuned ECU" etc) they will not have grounds to refuse a claim if you're unlucky enough to require one.

Insurance agencies can and will use any means necessary to invalidate a claim...

They are a business. Businesses run on profit. Claims paid mean less profit.

My opinion, tell them.

If they don't like it, get a new insurance company.

Or - if you want it absolutely assured...

Get an automotive Engineer to assess your vehicle, and provide a full Engineers Report on the vehicle stating that it is legal in your state.

Then, even if the insurance company tries to fight it, an engineer has approved it for use on public roads and there is nothing the insurance company can do about it... As long as you've been honest!

[dingah2]

Spoton Physh - there is only one way to play and that is straight down the line with your insurer, play it any other way and the risks from third party et al are too large to contemplate should the unthinkable occur.

Unfortunately research indicates that the frontal part of the brain associated with cognitive strategies like risk management is amongst the last of the areas to fully develop - I am too old to worry about that so take my advice you are not invincible!

Dingah

[vibe ute]

As I understand it the fuel mixtures are actually set leaner with edit than standard, which would reduce emissions, so why would the edit be illegal? Someone please correct me if I'm wrong, but I'm sure I read they were set rich from the factory as a safety margin.

Cheers,

Steve.

[Venom XR6]

  vibe ute said:

As I understand it the fuel mixtures are actually set leaner with edit than standard, which would reduce emissions, so why would the edit be illegal? Someone please correct me if I'm wrong, but I'm sure I read they were set rich from the factory as a safety margin.

Cheers,

Steve.

<{POST_SNAPBACK}>

If I can remember correctly, running leaner can actually increase the levels of NoX emissions (nitrides of oxygen), although it may reduce carbon dioxide.

May not be 100% correct as my science probably isn't totally accurate.

Edited 05/10/05 09:09 AM by Venom XR6

[stang]

Do I go withAAMI or Shannons?