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Old 08-05-2012, 11:59 PM   #1
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Question insurance company Q's

Got a few questions, none of them relate to me currently, but I would like to get a better idea of what could happen to any future car I buy.


If a car like a Subaru Impreza WRX is upgraded to a STI, but the insurance company doesn't know, what kinda trouble can it cause?

1. In a accident, and the car needs to be assessed for pricing if totaled?

2. if the car is inspected by DMV or emissions, and nothing on the insurance slip in the glove box say anything about the upgrade?

3. anything else that I'm not thinking of that could be a problem?

Thanks guys,

Djzx3,> possible Subaru WRX owner?


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Old 08-06-2012, 12:05 AM   #2
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I'm guessing that since the VIN will say its a WRX, they wont look twice at anything else, unless you've done frame mods or have nitrous. Unless I'm mistaken, its all about the VIN.
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Old 08-06-2012, 12:08 AM   #3
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Yea, but their two different set-ups.

Impreza WRX is about 220HP.

Impreza WRX-STI is about 300-310HP.

Correct if a little off. But I would think the insurance company would throw a fit, cause there is a big difference in what you would pay monthly.
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Old 08-06-2012, 12:19 AM   #4
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I don't think they would ever find out, would they?

Even if you have to take it to a shop, they're just going to say what needs fixed and how much it'll be. I wouldn't think they'd point out to the insurance company that it's swapped.
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Old 08-06-2012, 12:21 AM   #5
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Well, certain things would give it away. Like a STI inter-cooler says STI right on it, and sits right on top of the motor.

And if not at a shop or something, what if the car is totaled, and the other persons insurance company see's it, or my own see's it?

I just can't imagine they would sit there and say, okay, you upgraded to a STI, but your paying WRX insurance price, and not reject a claim?
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Old 08-06-2012, 12:43 AM   #6
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OK we need to set something straight here. what do you mean by upgrade? engine swap or whole vehicle replacement?

if its an engine swap... unless its reported, all they care is that its a wrx. but they will also give you the value of a wrx however its wrecked.

unless your talking about claiming an sti is a wrx to have cheaper insurance... which it may not make too big of a difference anyway, but would be insurance fraud.
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Old 08-06-2012, 12:46 AM   #7
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I'm talking about taking a regular WRX engine, and adding STI parts to get the STI power.
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Old 08-06-2012, 12:53 AM   #8
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Then that's basically just the same as modding your car. In which you would just get recouped for the price of the car stock. Unless you have one of the good companies that will insure your upgrades as well.
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Old 08-06-2012, 12:55 AM   #9
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Okay, this is mainly cause I was talking to a friend on another forum. Mind you he is in the Scotland.

But he said he had a claim rejected just because his car had a super chip on it, and he did not let the insurance company know.
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Old 08-06-2012, 01:36 AM   #10
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well... that's Scotland. and insurance companies vary.

Australia is worse. you pretty much HAVE to keep your car stock. not just for insurance but if you don't want fines or impound crap.

some will take your mods into account and cover this parts as well.

mine I'm switching to covers any interior electronics installed permanently in a factory designated spot at no extra charge.
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