Insurance rules can definitely feel like navigating a maze sometimes. Had a similar experience when I swapped out my headlights for brighter LEDs—thought it was a no-brainer safety improvement, but nope, insurer flagged it as a modification. Learned the hard way that insurers have their own logic, haha.
Here's what I'd suggest: first, make a quick list of any changes you've made or plan to make. Then, call your insurer directly and ask specifically about each item—don't just rely on general guidelines online. Sometimes even minor tweaks can surprise you. If they say something's a mod, ask if there's a workaround or if another insurer might see it differently. It sounds tedious, but trust me, it's better than finding out after the fact.
Curious though, anyone know why insurers seem so picky about safety upgrades? Seems counterintuitive...
Insurance companies definitely have their own unique logic, don't they? I remember when I upgraded the brakes on my classic Mustang—figured safer braking would be a win-win. Instead, my insurer treated it like I'd turned the car into a street racer or something, haha. I guess from their perspective, any change from factory specs introduces unknown risks. Still, feels pretty backwards sometimes. Hang in there; you're definitely not alone in this maze...
"I guess from their perspective, any change from factory specs introduces unknown risks."
Yeah, insurance logic puzzles me too. When my older brother swapped out his headlights for brighter LEDs, our insurer acted like he'd installed lasers or something... you'd think better visibility would be encouraged, right? Guess it's all about the fine print.
Insurance companies can be weirdly picky about mods. A few years back, I upgraded my tires for better winter traction—seemed like common sense, right? But nope, they flagged it as a "performance modification." Like you said:
"you'd think better visibility would be encouraged, right?"
Apparently safer isn't always simpler...
A few years back, I upgraded my tires for better winter traction—seemed like common sense, right? But nope, they flagged it as a "performance modification." Like you said:Apparently safer isn...
Honestly, I get your frustration, but from the insurer's perspective, I kinda see their point. Tires designed for winter traction often have performance ratings that can affect handling at higher speeds... maybe that's why they're cautious labeling it a "performance modification"? Seems weird, but sorta makes sense.
