Crashed My 33 And Insurance Wont Pay?

[Priestley]

this is ot, but i thought id ask anyway,

could an insurance agent deny a claim because you have illegal mods done,

ie, trimmed reo bar for front mount, boost controller, none adr approved coil overs etc etc.

i mainly mean the kind of mods that get done to nearly modified car even though they are technically illegal.

Some interesting replies here, especially from MSTRshenanigans.

My personal thoughts on the illegal modifications would be that they could void your insurance as the car is considered unfit for road use. Could someone with more knowledge shed a little light on this?

[sneki81]

its something ive thought about for ages.

surely there is someone on here who had a front mount, blow off valve, high flow turbo etc

that has had a crash, would love to know how you went with insurance??

[GTR-N1]

It will depend still on the insurance company you sign up with, but by having that verbal recorded contract with Shannons as to what modifications I have on my car, I am covered. The policy document doesn't disallow the modification I cited.

When I had an R33 GT-R stock with no modifications, and it was insured with Just Car, I had no recorded contract. It was a written policy that had to be read with a fine tooth comb. I forget what it said or didn't say re: mods. I can't give you an opinion on Just Car any longer.

[JSTA33]

for example just car says you can have unlimited modifications as long as they are legal.

i think if your straight up with the company from the start and dont try get things cheaper youll be alright. oh and keep the unexperienced drifts to the track to lessen the risk of dealing with insurance companies.

[stagman]

To the OP, thankyou. Your further proof to everyone as to why P-Plater's are not allowed to drive turbo cars. You have just strengthened there opinions on young people and 'fast' cars. In their few, it's young people who do stupid things due to in experience, such as a 'power slide' in the wet, with bald tyres. Driving fast, around the corner in the wet is like being on a tightrope enough, without adding bald tyres to the CV.

Though most would think you being 19 would have enough common sense to understand your driving on thin ice as it is with a turbo car and p-plates, and be smart enough to not do things that will just draw the spotlight onto you and the fact your in a car your not ment to be in.

I hate you, and people like you, because of people like you I am not legally aloud to be driving a turbo car either.

[MSTRshenanigans]

I'll be brief cause I'm still messed up from drinking last night-this morning o_O

You can make any mods to a car pretty much, most motor assessors don't know which ones are illegal or not BUT you need to have your mods listed so they can apply a mod excess and such.

Like I said Priestly, the item is blanket cover, a lot of the time we can't prove it.

Insurance Agents/Brokers have no control at all other than the right to sell the policy and get commission.

[Beer Baron]

There is a heavy weighted reason, no wait, a second minor reason why the tyres are not really a factor.

I can give him actual advise if he attempted to provide his documentations.

Unless you can base your statement on a legal precendent I recommend you stop repeating your mute point

care to share this secret "heavy weighted reason" and the "second minor reason" as to why his cars unroadworthiness being the cause of the accident is not a factor?

also, I think you mean moot not mute. they are 2 completely different words.

you still have not explained why you think his claim will be paid. apart from your secret heavy weighted reason whatever that is...

[Beer Baron]

this is ot, but i thought id ask anyway,

could an insurance agent deny a claim because you have illegal mods done,

ie, trimmed reo bar for front mount, boost controller, none adr approved coil overs etc etc.

i mainly mean the kind of mods that get done to nearly modified car even though they are technically illegal.

it's pretty unlikely they would deny your claim for illegal reo trimming, or boost controller etc unless[/i] they contributed to the severity of, or caused the accident. for example if your car sustained engine damage due to the modified reo they may argue that your illegal modification of that deformable crash structure means that they are only liable for a reduced payout or even able to deny the claim. in the case of a boost controller I can't think of any circumstance where they could argue it caused or contributed to a crash.

for them to be able to deny a claim for illegal or un-roadworthy modifications it generally needs to be shown that those modifications where either not known to them (you must tell them about all mods so they can properly do a risk assessment and calculate your premium correctly) or that the modifications/road worthy issue caused or contributed to the severity of the crash. providing you tell your insurer about all your mods, and the mods did not contribute to your crash then you should be fine regardless of whether or not they are considered road legal or EPA legal etc, but the only real place you should be asking this question is your insurer. ask them what the deal is so you know for sure.

[siddr20]

With an attitude like that you deserve the book throwing at you.

Bald tyres dont matter? or the fact your on p plates you sir are a complete moron.

+ 1

This is the reason why they brought the rules.

Its people like who you put others at risk!!

GROW UP!!

[Chibs]

Yeah that is screwed man.... there is noway insurance will cover you because you are a P-plater driving a turbo car, It is pretty stupid how they let you insure it when they know your not legally allowed to drive it but then again its stupid how you can register a turbo car under your name on your P's.... But either way you are not covered and THANK GOD that you didnt hit a merc or a beamer or one of them Lux cars... that would of been GEE GEE

[ashneel]

Actually road worthiness of the tyres is not a factor at all. I could tell you but I am legally bound not to, I can only give general advise relating to the laws we work under and the disputes process.

sorry let me get this straight

if i have an accident and the coarse of the accident was due to my bald tyres that caused the loss of grip and i hit another car. you are telling me my insurance company will cover me and pay out when they know the cause was of my unroadworthy car?

[MSTRshenanigans]

sorry let me get this straight

if i have an accident and the coarse of the accident was due to my bald tyres that caused the loss of grip and i hit another car. you are telling me my insurance company will cover me and pay out when they know the cause was of my unroadworthy car?

Depends on how bald you are talking, looking bald, just bald, wires sticking out. There is more to it but without being part of the company/processing teams involved I can't go into it as it is NOT general information.

care to share this secret "heavy weighted reason" and the "second minor reason" as to why his cars unroadworthiness being the cause of the accident is not a factor?

also, I think you mean moot not mute. they are 2 completely different words.

you still have not explained why you think his claim will be paid. apart from your secret heavy weighted reason whatever that is...

See as above on the reason. The "minor" reason is that the underwriter... no wait, I won't bother saying it to you again - you either can't read or can't comprehend my previous posts explaining... I may as well copy paste dude.

We established mute was a slip when drinking

You are repeating yourself again Beer Baron. You can't possibly be a bad guy and I would still offer general advice if something happened to you to.

[iplen]

In my line of work I get so jack of people who are not prepared to take a little responsability for their own actions... but MSTRshenanigansis 100% industry ombudsmen are there to ensure that people who should take responsability for their own actions don't have to, and this is done by ensuring that even if the company is right, the amount they have to pay to resolve is more than simply paying the customer what they want.

Perfect example right here, let's assume this bloke existed despite the fact he is illegally driving an unroadworthy car, and clearly shows that the reason it is illegal for him to drive said car is because his attitude is such that he should not be in control of a OAP's cart with flat batteries. He goes to Ombudsmen, who says "Oh, diddums, there there, here have some tissues, cotton wool, and let us take on that big bad insurance company" They go to the insurance companies complaints and resolutions, who go "Well hey it is illegal for him to drive the car, and it is in an unsafe condition because of his neglect, and he signed an agreement that said under those circumstances he would not be covered, but because he is a F...TARD we will just pay him to go away and pump premiums."

One day there will not be someone to hold this blokes hand and the world will come down around his ears.

[MSTRshenanigans]

Worst part is when the ombudsman charges a certain percentage of the cost of the total claim as their fee >.>

Well its not that, the contract has been written with certain conditions, and by them sending him out a certificate that states he can drive it under these conditions they have broken the financial trades act which disallows you selling a policy to someone if it totally conflicts their circumstances.

ex he can't legally drive his car but they set up a policy for him to use said motor vehicle when they know the laws of the state of conditions of the product.

Its like we set up a policy for say frank, frank is 21, but one of our endorsements states people under 21 can't drive the car... illegal. You cannot sell someone a policy for their use if they can't use it under the conditions of the policy. Its different if say frank's dad sets up a policy and they say frank can't drive it and then he does because its not franks policy or car.

[Astro Bear]

Ask your dad to pay 7G.

His fault for not stopping you from driving a GTST....

X2

Any parent who lets their child own / drive a turbocharged Skyline as their first car is clearly idiotic.

[joeyjoejoejuniorshabadoo]

x3

[75coupe]

insurance companies can and do cancel policies at the time of a claim if conditions of the policy wernt able to be met or were non-existant at the time of policy being signed and paid for... so you wouldnt be covered they would refund your policy amount at the time of the claim if this was found out by the insurers.

On the other hand if a claim seems sus or the car is over insured which is easy to of done on an import lately since prices dropped, then an investigator is called in, their job is to find and prove reasons as to how you have broken the rules of the policy or are being fraudulant in a claim so the company doesnt have to cover you at all.

[MSTRshenanigans]

That's a rather ambiguous and inaccurate statement 75. They can and do but the Ombudsman can and does force them to reapply the policy as they should never have agreed to it in the first place.

Investigators are not brought in if over insured, they can determine that internally without one lol!

[sneakey pete]

That's a rather ambiguous and inaccurate statement 75.

That's a bit rich coming from a "oh there's a really big reason but its a secret, so stop questioning and just belive it." person. Don't get me wrong, there might and probably is whatever there is your talking about, however, you need to know that if you jump onto an internet forum, go on about some big secret that you can't tell us, you can't then get pissed off at us for not taking it at 100% gospel.

[MSTRshenanigans]

All I am saying is its ok to have an opinion, but I don't go into the mod forums telling guys who work on turbo's what their job is about and how it is

All I am saying is that while insurance looks black and white, it is more grey. I know the reason why he should dispute it and until I change companies I can't disclose the reason as I'm bound by my conditions of employment. Almost every financial services company does the same thing with regards to protecting its secrets.