That doesn't require aftermarket parts/accessories. That's why they always ask if you've got any aftermarket parts or accessories.
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Seat shaving? Vs lowering a bike?
- Thread starter Katt
- Start date
That doesn't require aftermarket parts/accessories. That's why they always ask if you've got any aftermarket parts or accessories.
I was specifically asking about a lowering link and said only an inch or a half inch to get myself better footing on my 650R. They said no and any claims would be denied.
But you're right, you'd probably get away with it. I (and most people I've talked to) have had hard enough times dealing with insurance. I don't need more headaches.
Roomie
Banned
I see your point. I really do. I just think insurance would still cover you. If said accident was that severe they'd have to scrutinize the entire bike to even know it had a link. Then to attribute it being the cause of the incident and denying coverage would be quite the feat. "Sorry son but if your bike was an inch taller you wouldn't have run aunt jemima down and killed her" I don't really see that holding up in court
Ps who are you insured with?
Ps who are you insured with?
It does hold up in court. And has happened multiple times in the gta alone with cars. Im not talking cars that are an inch off the ground but rather only 1.5" lower then stock hight.
They do not have to attribute the part to causing the accident, its called non - disclosure and immediately negates insurance coverage.
The chances of them scrutinizing enough to figure it out is another matter. My thought is unless the car/bike visually looks modified the chances are slim of them looking that hard.
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They do not have to attribute the part to causing the accident, its called non - disclosure and immediately negates insurance coverage.
The chances of them scrutinizing enough to figure it out is another matter. My thought is unless the car/bike visually looks modified the chances are slim of them looking that hard.
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That was with Statefarm. They don't need to prove that the aftermarket accessory caused the accident. Just that the vehicle was modified and therefor not what they agreed to insure. Your mileage may vary. I haven't had to deal with them after modifying a vehicle but several companies told me the same thing... Any aftermarket parts they haven't been notified of COULD be used to void your claims. Same with cars. I'd love to modify vehicles extensively but unfortunately no one will insure them if you admit they are modified and, like I said, it's a gamble if you don't.
I actually only found one company that would agree to cover modified vehicles (at extra cost) but I had to make a claim with them (my vehicle wasn't modified, I was just asking for future reference) and they screwed me around so I left them. I haven't found another one that would cover them since.
Roomie
Banned
So you're saying I need to tell them about my turbo and the car making 3 times the factory hp? Oops.... you're right though you should tell them about modifications legally speaking. A link is just something I'd be convinced they'd never ever look at. Forced induction on a vehicle that never had it as an option I can understand. That's why in the end like my last toy car I'll have it appraised and insured for what it is.
My cousin lifted a truck before he put it on the road. When he looked into insurance no one would cover it. Sold the whole truck for the cost of the lift kit because he couldn't sell it (at a decent price) that way, either, because everyone else had the same problem.
I fully agree that getting caught lowered an inch is slim. And I wouldn't disclose it either. BUT it CAN happen.
In fact a friend of mine had his car impounded and slapped with an unsafe ticket for being lowered 1.25".. I'm in the same type of car and am lowered almost 3"
(This happened in peel, 52 division I believe. )
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Roomie
Banned
Wow onterrible sucks lol. Who measured the 1.25? Did they allow for natural sag from factory given any mileage or age? This is why I avoid the city..52 is the worst for that crap. Provided at no point do your tires come into contact with the body or is the turning ability interfered with lock to lock I don't believe there is anything they can do. I've been stopped and harassed and told by a cop since it doesn't rub or touch I'm good to go and I'm a lot lower than 3 inches. This is why I'm also in the process of doing air ride. Cops here are a joke and kids have f***d everything up these days.
Porsche 944 is available in a turbo. If I added a turbo to my 944 it would be uninsurable. It has to be original. Doesn't matter if it's an option unless the model you have actually already has it. Also doesn't matter who installs it. I was going to buy a turboed Suzuki SX4 crossover with the turbo being installed by the dealer but since it was still aftermarket that car was also uninsurable.
I need to get that car appraised just to get any kind of insurance. An added turbo might bring my value up but no one would cover it. But I could buy a 944 turbo and insure it no problem.
The cop pushed on the trunk and claimed he was making contact. He is double my hight and I dont make contact.
It eventually cost him about 1g and charges were dropped.
My car has to be driven onto 2x4's to be able to shove a low profile jack under it. His does not.
The law states the contact part (tires can't contact car and car cant contact ground) but they leave things to officers discretion far to much. Thats why he was handed an unsafe vehicle tic.
Its like car tint laws. The law in ontario doesn't state a specific percentage. Its officers discretion.
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Yea he did my bike as well. Having the proper suspension setup works wonders. Sure lowering the front end changes the handling a bit, but having the whole suspension aligned for you're own body height and weight is night and day, assuming you know how to handle it in the first place.
You are altering from OEM and the engineered design of the vehicle...plain and simple...IT IS THE INSURANCE COMPANIES GET OUT OF JAIL FREE CARD! Sucks but they are covering their bottom line.
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