Voiding a warranty

[why?]

Originally Posted by cfeng

I was actually asking a different question. It is related so I was wondering if anyone here would have info.

I'm not worried about my warranty. I'm worried about my auto insurance with Metlife. I've heard that if you are ever involved in a crash with aftermarket parts, your insurance could be voided, leaving you without coverage. How are people insuring their cars with aftermarket parts?

ah. They cannot drop you because you have aftermarket parts. Some will drop you if they think you are racing, or have proof that you are racing.

Most insurers will not cover the aftermarket parts at all, they have special really expensive insurance for that type of thing.

So they will cover your car, but they will not replace aftermarket parts without special coverage.

Originally Posted by ross sez

Most insurance companies, when you fill out their policies, will ask whether or not your car has custom parts/aftermarket modifications that are valued over a certain amount. Progressive, I believe, won't cover anything worth over $1,000.

If I'm wrong please correct me.

While that would not surprise me, all insurers prolly have different limits, but asking is best if you are worried. heh, my wheels alone are worth more than 1k.

[Dragracer]

I am an Independent Mechanical Inspector. I'm the guy an extended warranty company sends in to inspect your car if there's a claim from a repair shop. I can't speak about the factory warranty, but I can speak about extended warranties. If you read your extended warranty contract, there will be a clause in it stating something along the lines that if you modify the vehicle, they can deny coverage based on the modification. Example, if you install headers, intake, turbo, nitrous, etc., and have an engine or transmission failure, the company can deny coverage based on the modification. It you raise or lower the suspension, and have a suspension failure, or a trans or axle failure, the company can deny the claim. They cannot stop you from modifying your car, but they can deny coverage. I have seen manufacturers and dealers deny factory warranty coverage to a couple of heavily modified Mitsubishi's. One had a full cage, with racing seats, race type tires & wheels, and some mods to the turbo system. It was a street driven car with less than 12k on it. It had wiring issues, and the dealer, with the factory rep's blessing, told the owner, they would do no warranty work on his car. I was there for the first refusal of work. I have no idea what happened later.