1. Welcome to Tacoma World!

    You are currently viewing as a guest! To get full-access, you need to register for a FREE account.

    As a registered member, you’ll be able to:
    • Participate in all Tacoma discussion topics
    • Communicate privately with other Tacoma owners from around the world
    • Post your own photos in our Members Gallery
    • Access all special features of the site

Did you get additional insuance after your build up?

Discussion in '2nd Gen. Tacomas (2005-2015)' started by packfan88, Sep 10, 2011.

  1. Sep 10, 2011 at 6:49 PM
    #1
    packfan88

    packfan88 [OP] Very Nice !

    Joined:
    Nov 13, 2008
    Member:
    #10727
    Messages:
    389
    Gender:
    Male
    Acworth, GA
    Billy Lift, Cooper STT Pro, Westin Step bars, tinted, rain gaurds, EBC rotors hawk pads
    I was just thinking about my truck and my insurance. Seeing is how I just put near $3,000 into my truck doign various things, if it was stolen or if i were to total the truck, what would insurance say about the overall value?

    I have done work on classic cars in the past and I remember a Firebird I had had a blue book value of X amount. I went to the insurance companies office (it was a small time company bakc in the mid 90s) and showed them the car and they agreed the value was a lot higher than the $5,000 it was blue booked for. I showed them receipts for over $3,000 in engine work and a $2,500 interior. I ended up getting the car appraised at $12,000 and a policy to cover that much. My rates went up, but I expected it to.

    So when it comes to a late model Tacoma, how did you handle the increased overall value?
    Things like window visors and tint arent goign to make me cry foul if its not included in the amount given back in the insurance company, but Id be pissed about the $1,000 suspension upgrade and the $2,000 wheel and tire combo. Im actually looking at ome upgrades to the audio system and im sure that would run well over $1,000 and maybe $2,000+. So what should you do? So you could easily be looking at $5,000 in mods.

    Anyone ever have their truck appraised after their mods and get their insurance policy updated? How did you go about doing it?
     
  2. Sep 10, 2011 at 7:35 PM
    #2
    Cape Codder

    Cape Codder Native Son

    Joined:
    Feb 20, 2010
    Member:
    #31714
    Messages:
    1,617
    Gender:
    Male
    First Name:
    Jack
    Hangin' Out in the Atlantic
    Vehicle:
    2010 TRD Sport 4x4 Access Cab 4.0L V6 Auto - Silverstreak Mica
    SOS Concepts Sliders waiting for POR-15 Rust Abatement (Spring 2016), OEM Silver Tube Steps 'til then OME 2.5" Suspension w/885 Coils & Dakars / LR UCA's w/SpecRide Bushings / Lifetime Alignment Wheeler's "Super Bump" Bump Stops Front & Rear / OME Carrier Bearing Drop / 2.5° Axle Shims (Eliminated Vibration) Moog Greaseable LCA Cam Bolts / ToyTech Sway Bar Relocate Kit / Stainless Steel Extended Brake Lines (Front & Rear) TIRES - LT275/70R17 (32.2") Firestone Destination A/T's (and Matching Spare) mounted on (5) 17”x8” (4.5” BS) Machined Aluminum Alloy, with Light Gunmetal Accents, Konig SixShooter Wheels with Hofmann Anthracite Adhesive Power Weights / McGard 65002 Chrome SplineDrive Lug Nuts / Cloned Schraeder EZ Sensor 33000 TPMS SNOW TIRES - Bridgestone Blizzak DM-V1 - P255/75-17 (32.1") mounted on Stock TRD Sport Wheels (5.5” BS) w/BORA 1" Wheel Spacers (to = 4.5” BS), Wheels Locks & OEM Lug Nuts Wheel Master 36" Stainless Steel Mesh Spare Tire Inflator/Checker attached to Rear Bumper / Spare Tire Lock TRD Skid Plate / Husky Mud Flaps / Redline Tuning Hood Struts / UltraGauge / Frame Hole Plugs / OEM Chrome Exhaust Tip Salex SLX102 - '05-'13 Tacoma GloveBox & Console Organizers Combo Set / GRID-IT (Console Cover Organizer) Color Matched SATOSHI Grill w/ Individual Letters Toyota Emblem (from ‘86 Toyota Land Cruiser) Hella Fogs on Elusive Elements Light Bar mounted behind Grill / Relocated Horns & Outside Temperature Sensor SilverStar zXe Headlights / SilverStar Fogs / Upper & Lower Color Matched Eyelids / LED's @ Dome, Maps, Lic Plate & 3rd Brake / 866 Foglight Lamps for Back-Up Lights WeatherTech Headlight & Foglight Protection / AutoBahnd RoadBlock (3M) Paint Protection System on Front End & Tailgate Avid Hitch Step Color Match Powdercoated / Avid LightBar Color Match Powdercoated / DIY Front Plate Holder mounted on AVID Light Bar (NO Bumper Holes) Emblems DeBadged / CBoy808's Silver OME EMU, Medium Gray Mall Rated, TRD Skid & Matte Black US Flag Decals SockMonkey Medium Gray Shadow Only Bedside, Door, Hood Scoop & Tailgate Decals DeBadged Leer 100LX Cap w/ Adventure Pkg including Thule 48” & 60” AeroBar Locking Removable Racks, Removable Front Window & Rear Door Remote Lock Charcoal/Blk Wet Okoles (front & rear) w/Front Seat Back Waterproof Zippered Pockets, Front Pistol Pockets & Seat Heaters / Drop Stop Seat Wedge Fillers 6 CD Changer w/SubWoofer (TRD Sport OEM) / BluLogic Hands Free (Blue Tooth) / Lutron Maestro Pico Remote Control for Driveway Floods Pro-Fit & Pro-Clip Device Holders for Cell Phone & GPS / Beltronics RX 65 Blue Detector / Garmin 885T GPS 30% Tint on Driver/Passenger Windows / WeatherTech Dark Front Window Deflectors / AutoMate AM-7 Alarm w/Remote Start WeatherTech FloorLiners (Front & Rear) / WeatherTech All Weather Mats (Over Front Liners) TRD "Offroad" Front Recovery Hook (Color Matched) / 2" x 30' & 3" x 30' Recovery Straps ELITE OffRoad 2" Receiver Hitch Shackle / Daystar Black Shackle Isolator / LifeLong Locks Class 5 Locking Hitch Pin Viair 00088 88P Portable Air Compressor / Rockford 12,000mah, 200/400 Amp, Portable Power Source & Mini Jump Starter Pop&Lock PL5305 Manual Tailgate Lock w/Color Matched Handle / Driver's Door Keytechniques Keyhole Cover OEM Bed Mat / 4 Extra Military Issue Bed "D" Rings Attached with Bed Bolts / 4 Extra Bed Rail Tiedowns & 2 Mini Tiedowns H3R Performance Halguard Halotron® 1 (Clean Agent) - HG250C 2.5lb Chrome Fire Extinguisher and Extreme Duty Quick Release Bracket (Mounted in Bed) H3R Performance Halguard Halotron® 1 (Clean Agent) - HG100C 1.4lb Chrome Fire Extinguisher (In Cab Back Door Pocket) H3R Performance MX500R - 5lb Dry Chemical Fire Extinguisher w/ Vehicle Mount (On Cab Back Floor, Not Yet Mounted in Bed) ResQMe GB0-RQMTWIN-O Orange Keychain Version of the Original LifeHammer (Hanging Within Reach in Cab) FogLight Anytime / Differential Breather / A/C Condensate Drain / Tailgate Hoseclamp Anti-Theft Mods Toyota Extra Care Platinum Vehicle Service Agreement (VSA) – 8 Year / 125,000 Miles TSB's: Transmission TSB / Blower Motor TSB / Steering Intermediate Shaft Bushing TSB 90L Accelerator Pedal D0L Recall / Driver & Passenger Seat Belts Recall / Inspect Wheels & Tires "BOB" Recall The “TW EMPTY UR WALLET MOD” and a Pile of Stuff Waitin' for Install
    Been thinkin' 'bout it myself.
    My 2000 Solara had Alarm, Wheels + Tires added, Totaling $3500+
    Insurance Co. recommended added insurance to the tune of $7 per $100 (IIRC) of added parts or they weren't covered.
    Required all Receipts to insure extras.
    Seeing I bought it as a Company Vehicle, I took a gamble and passed.
    Bought my Tacoma as a Co. Veh. also, but expect a lot more extras (Thanks to TW) so I'm considering it


    CC
     
  3. Sep 10, 2011 at 7:41 PM
    #3
    Gincoma

    Gincoma Special Edition Member

    Joined:
    Nov 14, 2010
    Member:
    #46179
    Messages:
    2,123
    Gender:
    Male
    Salt Lake City UT
    Vehicle:
    RIPieces 2005 Tacoma, adios 2011 :'(
    Factory Monster Truck Package with reverse gear.
    Yes...After the installation of my supercharger on 2011 I notified insurance to let them know and sent them recipt of purchase...learned from my last tacoma where I totaled it with supercharger and didnt tell them it was installed and damaged parts weren't covered....its well worth it...luckily I only had to purchase another fit kit
     
  4. Sep 11, 2011 at 6:35 PM
    #4
    packfan88

    packfan88 [OP] Very Nice !

    Joined:
    Nov 13, 2008
    Member:
    #10727
    Messages:
    389
    Gender:
    Male
    Acworth, GA
    Billy Lift, Cooper STT Pro, Westin Step bars, tinted, rain gaurds, EBC rotors hawk pads
    any more info on this?
     
To Top