Quote:
Originally Posted by memason
While this seems an intuitive statement and I have no doubt an agent stated this, I'm not sure it would be legal for them to refuse coverage, based upon a speed modification. If it isn't written in the policy, it would be hard to enforce. This would be the same as you changing the type of tire on your car and then your agent telling you the tires were not as safe as the original equipment; therefore, no coverage....or more specifically, you modify your cars performance in one way or another and then your insurance is voided.
Just my thinking and that's why there are exclusions on your policy...
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It is written in my policy in very clear terms. I could dig out that section of the policy and post the actual wording here but, trust me, it's there.
It has already been said here that there is a difference between an agent and an adjuster. An agent is trying to earn a commission and an adjuster is paid to determine the validity of the claim and they are well trained in their art.