Insurance with NOS

[5.0 Probie]

If you're going to deduct the value of the stock parts then you need to compare apples to apples. New cost with new cost or used cost with used cost. You can't ask for the new cost of the aftermarket item minus the used cost of the stock item, not an equal comparison.

In an accident the regular insurance covers replacement cost of stock items. If you have an aftermarket item and want it covered, then you should compare the new cost of the aftermarket item to the stock item. If the aftermarket item is more, then you want additional insurance to cover the difference. If the aftermarket item is less than the stock item then you're already covered.

I think if you spend some time researching the replacement cost of the stock items you've removed from your car then you would be greatly surprised at how little value you've added.

^^^ This...

 

[Department Of Boost]

Just an FYI... Stated value is reeeeeeeeeeeeeeeeeeeeeeally hard to find... And not cheap. This is why "Most" insurance companies that do offer more than ACV stop at Agreed Value.

Your right, but it's out there. I have my 2007 insured for a SV of $75,000 and only pay $1600/yr.

No nitrous though.

 

[blk12gt]

I work as an adjuster (49 states), I will tell you its all in the small print. Insurance contracts very state by state even under the same company. Its important to read YOUR contract and find out what endorsements a company offers as companies are limited by what the DOI in that state will allow them to put in the contract or in the endorsements.

Sent from my phone, spelling mistakes brought to you courtesy of tapatalk.