# Does anyone insure their modifications on their cars?

**URL:** <https://forums.speedlife.net/t/does-anyone-insure-their-modifications-on-their-cars/202870>\
**Category:** PittSpeed Automotive\
**Created:** [May 27, 2009, 4:45pm UTC](https://forums.speedlife.net/t/does-anyone-insure-their-modifications-on-their-cars/202870 "2009-05-27T16:45:49Z")\
**Posts on this page:** 1\
**Showing post:** 13

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**Author:** ![fshowcars](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fshowcars/32/5937_2.png) [@fshowcars](https://forums.speedlife.net/u/fshowcars)\
**Post date:** [May 28, 2009, 9:40am UTC](https://forums.speedlife.net/t/does-anyone-insure-their-modifications-on-their-cars/202870/13 "2009-05-28T09:40:45Z")

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> [@I feel scammed...](https://forums.speedlife.net/t/i-feel-scammed/40401/11):
>
> they offered him a certain amount… he thought that was low. He had an adjuster come out to assess the damage. The adjuster assessed the damage, and his insurance company cut a check… If you can get it fixed for cheaper than what the ins. company gives you, I fail to see how this makes insurance rates higher… The only difference is some of the check went into his pocket instead of some body shop’s pocket.

that’s why they are moving to the adjusters being the shops doing the work, because then the costs are more accurate and there is less overhead. Increased payouts for cars is what drives up insurance costs as it takes away from the company’s overall credit of insurance money. your skewed political views and lack of knowledge of basic economics is reason for me to not be perplexed by your asinine question as to the rate of insurance premiums being increased due to wasteful spending. If not only empirical costs, but actual architectural and functional pricing played a role in insurance assessments then it would be much more of an arduous process. Adding the convenience of expedited claims allows for the mistaken increase in overall costs and is the direct factor to insurance premiums raising for the consumer.

> [@Credit Score Question.](https://forums.speedlife.net/t/credit-score-question/40395/26):
>
> they cut me a check for her wrecking into me and i decide to live with the damage now my resale is lower because of the damage and i still got 600 bucs in my pocket.

I hear you mac… but accidents and auto insurance are not forms of income and really are in place to protect injured parties and reliable transportation. Cars aren’t throw away until a generalized monetary value is given to them in order to assess these damages. Using the system to over compensate is what drives up the costs.

I do agree that we pay insurance for a reason, so we are entitled to the money to fix the car, pay for hospital bills, long term injury etc etc… it’s not a source of income though, that is considered fraud.

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