No Airbag & Insurance

[BTplaya]

We all love our aftermarket steering wheels, but AAA doesnt seem to be as fond of them. Our vehicles came with airbags from the factory and removing them voids your policy. Here in MI there is no state law against removing them. I can not get a ticket for this. They are trying to deny a claim because no airbag present. I guess I should have put it back in before taking it in but I really had no idea.

What are you guys doing to get around this? Seems like a big risk to be driving around uninsurred for the most part.

[KendallH]

#s14problems :cool:

[Future240]

That depends on the company and how they write their policies. A denial due to no airbag is a shitty company.

[h2v7]

o that sucks i was thinking what about your aftermarket wheels!!

you mean the steering wheel and the airbag that is no longer there..

shitty regardless

insurance

DENY DELAY and fight the claim they dont want to pay shit ever for any reason

[Metal Angel]

Gotta love insurance companies! Take your money every month and then run and hide when you need them.

Not that it matters because they will pretty much get away with whatever they want, but are you trying to claim a head injury? Because if not, the airbag is totally irrelevant.

[illvialuver]

I think that is lame, how the hell do they insure buses when they don't have seat belts, or why don't they demand shoulder strapped seat belts in classic cars that didn't have them, some old cars didn't even have seat belts. I hope I don't have the same problem, I was planing on switching to them later this month.

[murda-c]

The funny thing is, if you weren't injured, it'll be cheaper for them to fix without having to replace the airbag.

They're just looking for any excuse not to pay you.

[BTplaya]

No injurys at all. Just a dent in the rear quarter. The shop was all good to go untill the review agent came out and was freaking out that there was no air bag. You should have seen this dick too. Stupid ass cloths cant talk right. Prob into collecting fine china or somehting gay.

Just a heads up to everyone out there.

[driftsucky]

There are plenty of insurance companies that will do that. You aren't supposed to remove any factory safety equipment on a road going vehicle (at least that's policy here in NY). However, I'm assuming you have comprehensive and collision coverage on your car. Here, most of us just run liability cuz the cars cost 1500-5000 and are only worth that on the forums, so were we to crash it, we wouldn't get our money back anyway. Plus, finding a 240 that isn't rotted to shit up here is like finding a virgin at Florida A&M. They exist but since everyone wants it, they go for a premium. ;-)

That said, a hit to the rear quarter has no correlation to the airbag. So what they'll probably argue is that safety equipment was removed, deeming the car unsafe to drive, and it shouldn't be on the road in the first place. Hence, had it not be on the road, said accident wouldn't have happened and they shouldn't have to pay because of that.

You will probably need to lawyer up or REALLY dig into your insurance policy as well as state laws because you will have to prove that a) your car is perfectly road worthy meaning it meets all current safety/mechanical requirements b) the damages caused were in no way related to any modifications whether it be adding or removing of factory equipment. I don't know how things are in Detroit, but if you were here, you would definately need a good lawyer and you may be better off paying for the damages yourself (and now you can see why we run liability and just take it on the chin if something happens lol).

[Hashiriya415]

If I remember right, being hit from the rear quarter panel will not trigger any airbag.

[Future240]

I have handled thousands of claims at this point and I have never seen a denial like that. I would seriously question any company that would deny a claim for that.

[dazed]

People with aftermarket steering wheels...

What insurance are you under?

[andrew600]

what i dont understand is. having an airbag wouldnt have avoided the accident. i see no way they could deny. i see them dropping you after the claim. but not denying. thats bs my friend. i would look into a lawyer instead of a bunch of 240 owners.

[BTplaya]

People with aftermarket steering wheels...

What insurance are you under?

This is what I am intrested in.


Not sure about this deal yet, but I will end up changing insurance companies & explaining the airbag deal up front.

For those who do have full coverage I would deff call your agent up and discuss this so your not stuck in the same boat after the fact.

The bitch of it is that this whole deal was caused when I got caught in a fluck snow storm and slid into a ditch at like 5mph. Airbag wouldnt have even thought about going off.

[Little Jason]

that's super shitty.

[Hashiriya415]

Hopefully you haven't signed anything yet. Tell em you had no idea what kind of steering wheel was on there. Or tell them you switched the steering wheel after the incident because the air bag went off and you wanted to be able to temp drive.

[Jus Skott]

http://barrygruff.files.wordpress.com/2010/11/jay-z-99-problems-the-prodigy-remix-e1289660593667.jpg
I have 99 problems but, an air bag ain't 1. :fawk:

[KiLLeR2001]

#s14problems :cool:

haha, silly s14 owners and their fancy air bag systems.

[Om1kron]

My fenders don't have airbags, irrelevant policy.

[Corbic]

Swap in a S15 wheel and quick bitching.

http://desmond.imageshack.us/Himg228/scaled.php?server=228&filename=img3540dh2.jpg&res=medium

[iLagX]

lucky, i've got a s13

[revat619]

That's odd. AAA didnt trip when i got hit in my old s14 a few years ago and i had a nardi wheel. All they did was ask on the phone if the airbags deployed and i said no. That was the end of that. I had full coverage then and i have full coverage now. Granted, my car now has an s15 wheel, but whatever.

Maybe since they're having to pay, they're being more "by the book" about it. In my situation, the assclown that hit me was 100% at fault so AAA was going to be reimbursed by the other dude's insurance. They were almost trying to make my claim more expensive so that they could get the most out of the other insurance. I wasn't mad at that at all. lol

[living4surf]

This won't help you now but from now on you must inform your insurance that the steering wheel was replaced. The real reason they are able to deny the claim is cuz you got a discount becuase you had an air bag since theoretically you would of been less likely to get injured in an accident, but becuase you removed the air back technically you were not paying what you should of been for your insurance so they look at it like you were behind on paying them.

This goes for anything if you change something that in any way could affect an accident even changing suspension ( they will look for any reason not to pay especially if you hurt someone) or anything that may be a safety issue you need to tell them I writing. The bad side is you will probably have to pay more or even get dropped and need to find a new company but if they are informed of parts on your car they do have to cover the cost of them. Just don't tell them if it is something illegal in your state as they will drop you.

[blessedhellrider]

speaking of insurance (kinda off subject) ,but is there any insurance companies that offer partial use or collector insurance that will in sure an s13?

[Jus Skott]

speaking of insurance (kinda off subject) ,but is there any insurance companies that offer partial use or collector insurance that will in sure an s13?

I don't see this being off topic since it's insurance related. But companies do off policies for cars that are only driven certain times of the year. You would have to call around since some states have different rules they have to adhere by. Also, there is additional insurance that you can put on your car to cover the amount of modifications you have wrapped up into it. One of my friends turned me onto it, which comes down to 10.00 extra a month.

[!Zar!]

living4surf is right, removing an airbag will more than likely cause more harm to a driver when in an accident.

Also, for people saying to tell the insurance that the airbag deployed... FYI if an airbag goes off on a car it is considered salvage title.

s13 as a collectors car? ELOHEL

[BTplaya]

Update:

After lots of battling the AAA underwriters, they are letting the air bag pass and are going to pay for my claim. With that said they are going to cancle my policy shortly after becasue my car is deamed a "racecar"

This is right out of their mouths;

AAA is trying to clean up their image and is no longer going to insure cars with performance upgrades or major appreance changes. There is going to be a clean sweap of the current policies and in 2013 only stock appearing new vehicles will be insured by AAA.

True story :/

[SPirtle]

Update:

After lots of battling the AAA underwriters, they are letting the air bag pass and are going to pay for my claim. With that said they are going to cancle my policy shortly after becasue my car is deamed a "racecar"

This is right out of their mouths;

AAA is trying to clean up their image and is no longer going to insure cars with performance upgrades or major appreance changes. There is going to be a clean sweap of the current policies and in 2013 only stock appearing new vehicles will be insured by AAA.

True story :/

That is some straight up BS dude. But you never know, you might get in with a different insurance company that will be cheaper and have better services.

[Chaluska]

get a stock s14 wheel, slap it in, and be like "wtf"

[Jus Skott]

Update:

After lots of battling the AAA underwriters, they are letting the air bag pass and are going to pay for my claim. With that said they are going to cancle my policy shortly after becasue my car is deamed a "racecar"

This is right out of their mouths;

AAA is trying to clean up their image and is no longer going to insure cars with performance upgrades or major appreance changes. There is going to be a clean sweap of the current policies and in 2013 only stock appearing new vehicles will be insured by AAA.

True story :/

I wonder if AAA understands how many enthusiast they are potentially going to lose over people modding their cars.

[jesse_s13]

get a stock s14 wheel, slap it in, and be like "wtf"

haha I would want to see the insurance guys face :hey:

[BTplaya]

I wonder if AAA understands how many enthusiast they are potentially going to lose over people modding their cars.


This is just what I said. They dont seem to care as its not the "direction" they are trying to go.

I got my deal paid and will move onto a new company. Their lose as I paid in full everytime.

[tricky_ab]

Meh, their loss...I guess they don't like money!?

[xGUNKX]

Update:

After lots of battling the AAA underwriters, they are letting the air bag pass and are going to pay for my claim. With that said they are going to cancle my policy shortly after becasue my car is deamed a "racecar"

This is right out of their mouths;

AAA is trying to clean up their image and is no longer going to insure cars with performance upgrades or major appreance changes. There is going to be a clean sweap of the current policies and in 2013 only stock appearing new vehicles will be insured by AAA.

True story :/

"Because racecar" sticker is now needed on car.
HAHAHHAHAA

[murda-c]

What does this "racecar" look like?

[CamryOnBronze]

My neighbor was with me when my 240 broke down this summer. We tried to have it towed with his AAA policy, but he mentioned bringing some boards on the phone because of the car being lowered. As soon as AAA heard that, they said we were SOL. Pretty lame for sure.

OP, shoot me a PM if you want my insurance guy's info. He is in SE Michigan and got a great deal for my wife and I on our home and auto insurance policies- AND he is a car guy! haha.

[murda-c]

My neighbor was with me when my 240 broke down this summer. We tried to have it towed with his AAA policy, but he mentioned bringing some boards on the phone because of the car being lowered. As soon as AAA heard that, they said we were SOL. Pretty lame for sure.

OP, shoot me a PM if you want my insurance guy's info. He is in SE Michigan and got a great deal for my wife and I on our home and auto insurance policies- AND he is a car guy! haha.

That sucks, I always just say make sure they bring a flat bed and i'll take the bumper off if need be.

But i'm not really that low.

[Jus Skott]

This is just what I said. They dont seem to care as its not the "direction" they are trying to go.

I got my deal paid and will move onto a new company. Their lose as I paid in full everytime.

As much as I hate going on there, I wonder what the Japolink derps would start if they learned of this. lol

[Corbic]

I wonder if AAA understands how many enthusiast they are potentially going to lose over people modding their cars.

Very few. Enthusiasts (aka 18y/o males with Hondas and 240s) are also the higher risk group they are trying to weed out.

[Jus Skott]

Very few. Enthusiasts (aka 18y/o males with Hondas and 240s) are also the higher risk group they are trying to weed out.

well you got me there. I was just thinking money is money when it comes to the large style companies.

[!Zar!]

lol @ people with rustbuckets deathmobiles getting upset because AAA doesn't want to insure them.

[Jus Skott]

lol @ people with rustbuckets deathmobiles getting upset because AAA doesn't want to insure them.


http://i2.kym-cdn.com/entries/icons/original/000/000/274/rollin.jpg

[lude4life13]

I dont believe AAA would do that. I have been in two accidents in the past, one my fault and one was the other drivers fault. Both cars were modified (miata even had roll bar and bucket seats) and both times they didnt care that the cars were modified. I got my claims and I am still insured with them with no problems.

[Frank_Jaeger]

No injurys at all. Just a dent in the rear quarter. The shop was all good to go untill the review agent came out and was freaking out that there was no air bag. You should have seen this dick too. Stupid ass cloths cant talk right. Prob into collecting fine china or somehting gay.

Just a heads up to everyone out there.
lmao msglngth

[tims05]

Look into Geico. I just started with them when I bought my 09 chevy truck and they actually have a section/policy's for modded/performance type vehicles. Once my other insurance policy is up, Im gonna transfer over my s14 and gto under those policys. Mainly to cover the parts.

As far as the airbag thing, I've heard companies dumping people for doing that or even removing any safety device. `

[Corbic]

As far as the airbag thing, I've heard companies dumping people for doing that or even removing any safety device. `

It is illegal after all.

[Brentbohn]

Swap in a S15 wheel and quick bitching.

http://desmond.imageshack.us/Himg228/scaled.php?server=228&filename=img3540dh2.jpg&res=medium
SOOOOOO MUCH WIN!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!:mrmeph:

[Chaluska]

SOOOOOO MUCH WIN!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!:mrmeph:

I actually like the 180sx / kouiki s14 / Maxima steering wheel more...

http://www.elitejdm.com/productimages/interior/steeringwheels/00042_1.JPG

[BTplaya]

This may have something to do with it :/

http://img3.imageshack.us/img3/5747/nissan4v.jpg

[nomoremk2]

Ok, so you're a dumbass for daily driving a car with a cage and a racing bucket. What part of you thinks that car belongs on public roads?

[shiftdrift]

Ok, so you're a dumbass for daily driving a car with a cage and a racing bucket. What part of you thinks that car belongs on public roads?

There isn't a halo or door bars on drivers side.....I don't see what's wrong with it. Should he have an airbag? Yeah. But look at the hellafail s13's with a 205 on a 10 with 6* camber and an 8 point cage with frides and non veered harnesses ...that never came with an airbag. How many of those do you think there are?

[BTplaya]

Who said anything about daily. Its only a 6 point. The whole interior is back in it. This was taken when I was welding eveything in.

[murda-c]

Ok, so you're a dumbass for daily driving a car with a cage and a racing bucket. What part of you thinks that car belongs on public roads?

it's a menace to society with that recliner in there!

[nomoremk2]

Who said anything about tire fitment? I can see why they'd want to drop you. They ensured a 240sx, not a stripped out track car with a roll cage and deleted safety equipment.

[CamryOnBronze]

They ensured a stripped out track car with a roll cage and deleted safety equipment.

Right, so a 240SX? :wan:

[nomoremk2]

I don't get what you're trying to say there? Are you implying every 240 is caged and has no safety equipment?

[shiftdrift]

Every stock s13 is less safe than his s14.

[Corbic]

Every stock s13 is less safe than his s14.

How do you figure?

NHTSA

S13 5* Front Driver, 4* Front Passenger

S14 3* Front Driver. 4* Front Passenger

[PerilousActs]

Who said anything about tire fitment? I can see why they'd want to drop you. They ensured a 240sx, not a stripped out track car with a roll cage and deleted safety equipment.

They'll insure a gt3 rs with a factory cage and buckets. What's your point? Not defending him, just saying having a back half cage is a stupid point of argument.

[Jus Skott]

IMO half cages are not unsafe on a street car, they just make sure that you don't have to give more than 1 person a ride and gives you tie off points when the gf gets a little randy or is out of line. lol.

[revat619]

IMO half cages are not unsafe on a street car, they just make sure that you don't have to give more than 1 person a ride and gives you tie off points when the gf gets a little randy or is out of line. lol.

Agreed.

I have an autopower 4 point in my car as well as a bucket seat and it's totally fine. AAA is aware of it and they don't care. Like i said, i have full coverage and I'm a premium member so they'd tell me if something wasn't cool. I don't have the cross bar in unless i'm at the track, but i don't let anybody ride in the back. It's not like anyone can ride back there comfortably anyway. Like you said, it gives you an excuse not to give people rides. lol

[nomoremk2]

My point was not that's unsafe but that it's borderline insurance fraud for his Carrier to have no knowledge of all the modification. They were under the assumption you drove a stock 240sx correct? Why be upset when they find out you were lying and don't want to help you out.

[BTplaya]

My point was not that's unsafe but that it's borderline insurance fraud for his Carrier to have no knowledge of all the modification. They were under the assumption you drove a stock 240sx correct? Why be upset when they find out you were lying and don't want to help you out.

Don’t call me out. My agent has had all my info from day one including pics of my car. Its the underwriting department that has a problem with it.

All I was trying to do is warn others about possible problems with insurance and the response I got back from AAA.

End of story. If mods can lock this before any more off topic nonsense continues.

[waste_of_space]

My insurance company was happy that I had a roll cage in my car. Even ended up getting a discount for it as added safety lolol. (it's just a 5 point rear cage)
Then again I have USAA and they're pretty awesome.