Denied Coverage... Z51
Thread Starter
Pro
Joined: Apr 2008
Posts: 564
Likes: 0
From: Houston Texas
St. Jude Donor '08
Denied Coverage... Z51
My insurance company called me today to tell me my request to cover "customized parts" was denied. And that I would have to insure my Corvette elsewhere after the end of this six month policy... Why do you ask??? Because my car as an "Upgraded" suspension... Yea that's right... a Z51 suspension from factory... I tried to explain to the lady and her manager... but neither one would have it. The only way they would reconsider is if I had dealer documentation... So I called my chevy dealer who said that they didn't have the information because my car was too old... I told my insurance company how stupid they were... Since a good amount, maybe 60% of corvettes 5&6 Gen. had that option from factory...
Any ideas on what to do? By the way this is with 21st Century. Maybe I should switch???
/end rant
Any ideas on what to do? By the way this is with 21st Century. Maybe I should switch???
/end rant
Le Mans Master
Joined: Jan 2009
Posts: 6,226
Likes: 33
From: Morton illinois
St. Jude Donor '14-'15
that sounds incredibly stupid. If it comes up as a Z51 on their computers, they know its a stock option. I take it they dont insure any high end cars? how about a z06, or zr1, or acr? Get a manager on the phone from the home office
Le Mans Master
Joined: Jan 2009
Posts: 6,226
Likes: 33
From: Morton illinois
St. Jude Donor '14-'15
also I will add, when I had state farm, I asked if I could insure the car for more since i have about 80k into mine. They said I would have to get it appraised at a shop they work with and whatever estimate they had, they would match that coverage.
Instructor
Joined: Sep 2010
Posts: 204
Likes: 0
From: Naperville Illinois
First, maybe ask if anyone on this forum still has their window sticker (I'm sure someone does) with the RPO code for Z51 listed in the options column. Scan that and send it to you so you can send to your insurance company as proof that it was a factory option.
Secondly, maybe look at changing insurance companies. I'm with State Farm and all they asked is what year, VIN number, and what body style (coupe or convertible). I've never heard of anyone asking about what options you have.
My 2c.
Secondly, maybe look at changing insurance companies. I'm with State Farm and all they asked is what year, VIN number, and what body style (coupe or convertible). I've never heard of anyone asking about what options you have.
My 2c.
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Thread Starter
Pro
Joined: Apr 2008
Posts: 564
Likes: 0
From: Houston Texas
St. Jude Donor '08
I told them I could take a picture of the build codes. They said and I quote: "No. It has to be documentation from a dealer. Underwriters are not going to spend time researching build codes"
I was shocked... Im still flustered about it...
Advanced
Joined: Dec 2011
Posts: 79
Likes: 0
From: Fort Worth Texas
St. Jude Donor '12
Brush it off and let it go...
I would not trust a company that cannot make things right on the front end, to make things right if they were really needed...like in the case of an accident or worse. Ken
I would not trust a company that cannot make things right on the front end, to make things right if they were really needed...like in the case of an accident or worse. Ken
Safety Car
Joined: Nov 2000
Posts: 4,419
Likes: 6
From: Arroyo Grande CA
Get a GMVIS on your Vette from your dealer. They should do it for $0.00. Or ask here, as there are a couple of forum members that can get it for you.
There should also be the factory sticker in the glove box showing the RPO Z51 along with your VIN.
There should also be the factory sticker in the glove box showing the RPO Z51 along with your VIN.
Le Mans Master
Joined: Sep 2006
Posts: 9,594
Likes: 959
From: Palm Harbor not far from Sebring Florida
St. Jude Donor '11
Oldtimer
My insurance company called me today to tell me my request to cover "customized parts" was denied. And that I would have to insure my Corvette elsewhere after the end of this six month policy... Why do you ask??? Because my car as an "Upgraded" suspension... Yea that's right... a Z51 suspension from factory... I
/end rant
/end rant
Thread Starter
Pro
Joined: Apr 2008
Posts: 564
Likes: 0
From: Houston Texas
St. Jude Donor '08
Thread Starter
Pro
Joined: Apr 2008
Posts: 564
Likes: 0
From: Houston Texas
St. Jude Donor '08
Maybe I am reading your post wrong or no one else has picked up on it yet, but why would you ask to have customized parts insured? Did the car come with the Z51 package, and if so why would you tell them you have customized parts on it. If it did not come with the Z52 package and you have installed it or had it installed again why mention it. If you dropped in a LS9 would you ask to have it insured? No insurance company that I am aware of covers custom or high performance equipment, except specialty insurance companies
The Car is an FRC. So yes, It was installed from factory.
Burning Brakes
Joined: Sep 2009
Posts: 1,180
Likes: 2
From: Yes it's hot! Arizona
If you have anything else insured with them, drop them and move on to somebody that doesn't have cranium rectumitus (head up their a$$).
Race Director
Joined: May 2012
Posts: 15,757
Likes: 3,277
From: Phoenix area, AZ
My insurance company called me today to tell me my request to cover "customized parts" was denied. And that I would have to insure my Corvette elsewhere after the end of this six month policy... Why do you ask??? Because my car as an "Upgraded" suspension... Yea that's right... a Z51 suspension from factory... I tried to explain to the lady and her manager... but neither one would have it. The only way they would reconsider is if I had dealer documentation... So I called my chevy dealer who said that they didn't have the information because my car was too old... I told my insurance company how stupid they were... Since a good amount, maybe 60% of corvettes 5&6 Gen. had that option from factory...
Any ideas on what to do? By the way this is with 21st Century. Maybe I should switch???
/end rant
Any ideas on what to do? By the way this is with 21st Century. Maybe I should switch???
/end rant
Race Director
Joined: May 2012
Posts: 15,757
Likes: 3,277
From: Phoenix area, AZ
Maybe I am reading your post wrong or no one else has picked up on it yet, but why would you ask to have customized parts insured? Did the car come with the Z51 package, and if so why would you tell them you have customized parts on it. If it did not come with the Z52 package and you have installed it or had it installed again why mention it. If you dropped in a LS9 would you ask to have it insured? No insurance company that I am aware of covers custom or high performance equipment, except specialty insurance companies
Safety Car
Joined: Aug 2007
Posts: 4,506
Likes: 0
From: This is not a Song, It's an Outburst: Or, The Establishment Blues; Sixto Diaz Rodriguez
That's what I was wondering, what else do they insure for you? If you have other insurance with them, I'd tell them bye-bye on the whole lot. 