Insuring an ex four cylinder car.

MAC'n89Blckstng · Aug 30, 2008

Did any of you tell the insurance company that it actually has a v8 in it? My dad thinks that I will be committing insurance fraud if I just go ahead and insure it as a four cylinder car even though I am going to be putting a V8 in it. He says that if I get in an accident and hurt someone and that its my fault and an adjuster comes to look at the car and sees that its not a four banger anymore the insurance company is liable to deny covering the victims medical costs because I violated the insurance contract. Does anybody have any experience with this situation?

Mr. Rustypwnz · Aug 30, 2008

no the vin is a 4 banger, so therefore you have a 4 cylinder in their eyes..

795.0pacecar · Aug 30, 2008

slow95gt said:
no the vin is a 4 banger, so therefore you have a 4 cylinder in their eyes..

Agreed, they dont care. My car was a 4 cylinder originally, it has been insured as a 4 cylinder since I put the v8 in it, I got rear ended in late 2005, and everything was fine. They didn't even look under the hood, all they did was write me a check.

MAC'n89Blckstng · Aug 30, 2008

Did you ever tell them that you put a V8 in it? I keep trying to tell my dad that I have nothing to worry about but he disagrees and says that I'd be committing insurance fraud.

Beasty306GT · Aug 30, 2008

i would think it would cost more as a v8 then a 4 banger....they would get mad out of screwing them out of money i would look into it..but u should be fine..just if u get hit in the front and they see its a v8 they miht not cover it

1993SSP · Aug 30, 2008

I wouldnt worry about it, I sure do not plan on telling em mine has a V8 in it, what's that any of their business? mod your car however you want

FrankenStang · Aug 30, 2008

MAC'n89Blckstng said:
Did any of you tell the insurance company that it actually has a v8 in it? My dad thinks that I will be committing insurance fraud if I just go ahead and insure it as a four cylinder car even though I am going to be putting a V8 in it. He says that if I get in an accident and hurt someone and that its my fault and an adjuster comes to look at the car and sees that its not a four banger anymore the insurance company is liable to deny covering the victims medical costs because I violated the insurance contract. Does anybody have any experience with this situation?

My Capri is a 4 banger to V8 swap. Been that way for 15+ years. Never told my insurance company and I've been in one accident. Don't sweat it.

slow95gt said:
no the vin is a 4 banger, so therefore you have a 4 cylinder in their eyes..

MAC'n89Blckstng said:
Did you ever tell them that you put a V8 in it? I keep trying to tell my dad that I have nothing to worry about but he disagrees and says that I'd be committing insurance fraud.

Tell your dad to relax.

RsStanG1987 · Aug 30, 2008

If you get in an accident they may deny your coverage. Your also supposed to let the tsate know as well.

Mustang5L5 · Aug 30, 2008

Also, if you pay insurance on a 4-banger....they pay you out as if the car was a 4-banger if anything ever happens.

And if you blow the engine under insurance related reasons (say you drive through a deep puddle during a declared state of emergency when it woul dbe covered) they will pay you to put a 4-banger in it...not a highly modified 5.0.

So if you start with a 4-banger, and build up a nasty car...you may want to consider "agreed value insurance" anyway since you want to make sure your stuff is all covered if anything happens

Fett · Aug 30, 2008

I actually asked Geico when I went to insure my converted 2.3. They told me it would be pointless to try to insure it as anything other than a 2.3 because being an 88, the book value isn't any better for a 5.0 vs a 2.3.

Juggalo95 · Aug 30, 2008

they will probably still cover you in a accident as long as its not accident where you wreckless driving. If you car gets wrecked and they total it they will go by what a 4cyl is worth

Vipersix · Aug 30, 2008

Mustang5L5 said:
So if you start with a 4-banger, and build up a nasty car...you may want to consider "agreed value insurance" anyway since you want to make sure your stuff is all covered if anything happens

Agreed.

I have more $$ invested in the motor than the car is worth according to the "book" so I have coverage which includes all additions and modifications to the vehicle. This way, if some idiot runs into me and totals my car I won't be out thousands of dollars. In my eyes, insurance is to protect me from other idiots, not to protect poor helpless bystanders from me running into them.

Foxlover · Aug 31, 2008

I have a 92 Thunderbird that was originally a V6 car and I swapped that for the 5.0 and I havn't had any problems. I've never been in an accident though so I couldn't tell you there. But that 1 guy is right about the vin because as far as they know it's still a l-4.

FrankenStang · Aug 31, 2008

Fett said:
I actually asked Geico when I went to insure my converted 2.3. They told me it would be pointless to try to insure it as anything other than a 2.3 because being an 88, the book value isn't any better for a 5.0 vs a 2.3.

82CapriRS · Aug 31, 2008

im pretty sure everyone here covered about everything i would say, but! i can call my uncle tomorrow for ya an find out exactly what it would be if you did get into an accident an whatnot. atleast then we know for a fact an then everyone will know rather then havin to find out the hard way..if it was a problem. im sure i have talked to him about this stuff b4 but i dont remember. since jesse (macn89stng) is the only one who knows what im talkin about, my uncle works for state farm in jersey an is an adjuster. him being into cars (bought a capri 2 yrs old, lucky b**tard!..this was the capri i had) as much as us he will let me know the truth.

MAC'n89Blckstng · Aug 31, 2008

~FrankenStang~ said:
Tell your dad to relax.

HAHA If you only knew my dad. Ask 82CapriRS what I'm talkin about.

Mustang5L5 · Aug 31, 2008

My friend actually works for an inurance company. She tells me stories all the time about why they deny people. I should just ask her about this

82CapriRS · Aug 31, 2008

MAC'n89Blckstng said:
HAHA If you only knew my dad. Ask 82CapriRS what I'm talkin about.

yea deff not gonna relax steve by tellin him to relax lol. an mikes gonna call me tomorow an let m know the deal for the whole insurence scam thing an ill let ya know

Insuring an ex four cylinder car.

MAC'n89Blckstng

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Mr. Rustypwnz

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795.0pacecar

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MAC'n89Blckstng

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Beasty306GT

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1993SSP

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