do i need to report that i upgraded the engine in my 2000 chey camaro to the insurence company?

Question

i replaced the engine on my car because it would be more expencive to repair it i changed it from a total of 300 hp to 750hp does this need to be reported to my insurence company

Answer 1

I think they would increase your rates.Dam 750hp wow,If you report it you would have that expensive engine insured but your rates would probably double.Also I believe insurance companys do not insure after market parts unless added to the policy so if totalled you would only get blue book.

Answer 2

Nah, don't bother telling them.



but WHEN you are involved in an accident the insurance damage assessor will know straight away that the engine is oversize and will void your insurance.



you will then be prosecuted for driving with no insurance,



Remembering you have now lost your car you have a fine, dirty marks on your license and you still have to pay the other guys repairs which could run into the thousands. (Millions if someone is injured or killed) Oh! and when you come to take out insurance again you may find it nigh on impossible to get cover as a prosecuted driver.



Miss a few payment and you could end up in prison (Remember to take some Vaseline with you)



Sound like a cheap deal for the sake of a few more dollars to your insurance company for the upgrade doesn't it?



(Ex driving instructor with 40 years driving experience)

Answer 3

Technically it should be, but actually you dont need to. Insurance companies go by the VIN# on the car. So no matter what is in the engine they will still rate you by the VIN code.



Perfect example, I used to have a 1972 Chevelle. I had a 355 V8 in the car, but the VIN number stated it was a 6 cylinder car. I actually told the insurance about it, and they said that they only use the VIN# so dont worry about it.



So again, it wouldnt hurt to tell them, BUT you really dont need to!







PS I have a 1996 z28 with Nitrous! I would love to see some pics of your car!

Answer 4

I wouldn't report it, but keep some kind of record. I would think that the engine would be considered an aftermarket part, which should raise the amount insurance pays out if the vehicle was ever stolen or totalled.

Answer 5

definite they are attempting to close money owed down by ability of reporting as plenty and as far back as they'd on the single account they are concentrated on. for historic violations - why did no longer y/a %. it up back then? posters would have forgotten the offensive fabric months later. notwithstanding it ought to no longer be against the regulations so the person can attraction the checklist. there must be time shrink because of the fact no person recollects the textile in question and it turns right into a burden for the person to attraction archive q&a's. notwithstanding, if the textile became offensive then its the duty of y/a to delete it. yet going back over 6 months is arguable and desires to be addressed by ability of y/a as to the time shrink necessary.

Answer 6

I wouldn't, especially if you're an unmarried male under the age of 25 and who smokes :) As the first person mentioned, they go by the VIN anyway.

Answer 7

depends... If you have collision/comp coverage, you will need to let them know as this is an upgrade on the vehicle, however, this will affect your premiums. If you have liability only, you do not have to let them know.