# 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:** 43

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**Author:** ![SixSpeed454SS](https://avatars.discourse-cdn.com/v4/letter/s/e19adc/32.png) [@SixSpeed454SS](https://forums.speedlife.net/u/SixSpeed454SS)\
**Post date:** [May 31, 2009, 7:39am UTC](https://forums.speedlife.net/t/does-anyone-insure-their-modifications-on-their-cars/202870/43 "2009-05-31T07:39:38Z")

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> [@looking for a car](https://forums.speedlife.net/t/looking-for-a-car/40413/15):
>
> I’m not sure how the Hagerty stuff works but I thought there was a minimum amount the car had to be worth for them to insure?
> 
> And if it dont work for daily drivers or cars that are driven alot, then that sucks. I’m also curious as to whats out there.
> 
> Right now, i believe my blue book value would be something like 3 grand, but I have well over 15K in mods that I can think of off the top of my head and plenty more yet to do that will add up considerably. Mild hit and the car would proby be totalled since the car is worth sooo little on blue book.
> 
> I’m nervous about that and would be curious what options are out there.
> 
> If it was hit and they were to give me 3K for blue book value (just like they gave us 7 grand for the 03 impala I totalled this year), i could buy it back for 20% of that 3 grand?

Best thing to do is call Hagerty & explain your situation. You do NEED to have a DD & prove ownership/insurance on it before they will consider. I had some issues trying to get my truck covered in the beginning as they are not really in the business of covering '80s/'90s cars/trucks. I pointed them to my web site & gave them a little back story about the truck before it was even considered. Before I had done that, it was a solid ‘no’ due to the year of it.

Now that Hagerty covers it, they treat it as an exotic & the price is alot higher than my GTO is (which has $15k more coverage), but still cheaper than what I was paying from State Farm and it is covered at an agreed value, which State Farm does not do. If it still were covered by state farm, I would get very little in a complete loss situation.

Blue book means nothing due to the agreed value.

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