Does anyone insure their modifications on their cars?

[Darkstar]

@fshowcars

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.

I understand how overpaying on claims would drive up prices you fucking twat. The fault lies on the adjuster who overestimated though, not on the person that was in the wreck. If someone came out and overestimated damage to one of your cars, you’re telling me that you would give the extra money back, like it’s your civic fucking duty to make sure that the insurance company that rips you off every month maintains profitability? :ugh2:

@fshowcars

that’s fine… and the fair market value of your car is what is protected. I’m not saying that you shouldn’t be given what you are paying for. I would assume a high end financial consultant would grasp the basic theory here… sure the bloated estimate costs the company money… and when teh company has to pay money, they need to make money. They only make money one way, raising insurance rates.

the shitty drivers that wreck are the ones to blame… but so are people knowingly beating the system to make income. If this was all ‘fair’… the car should go to a shop to be fixed and itemized and payed… this is how i handle any accidents i’ve been involved in just to not get caught up in the bullshit.

Fraud is a minimal factor as it pales in comparison to long-term (or even short) medical costs, higher costs to fix cars and lawsuits, does that mean that it’s all good then? … no

FSHOWCARS: God Bless Car Insurance Companies, and God Bless America! Do your civic duty and make sure your car insurance company isn’t slightly overpaying on a claim! If you don’t, you’re a commie loving socialist scumbag!

@fshowcars

I totally agree, hence accident forgiveness with a lot of larger insurance companies, it’s the fourth and fifth 20k accident people that drag us all down. I’m not trying to be a dick (not that i’m not trying either) but this boils down to almost ethics and morals… its like someone buying malt liquor with an access card… it’s technically legal but is it right? queue article of woman using an infant as a weapon (swinging at security gaurds) while shoplifting.

Did you just compare a woman using an infant as a weapon to what we’re talking about? Holy shit man you’re going off the deep end!