my supra had a engine swap to a 7m gte ...i think it was originally a 7m ge. its a 1988 and on my ownership is says model sws??? im hoping it was a non turbo because then insurance will be alot cheaper on account im only 19:icon_razz...
Cant tell if my mk3 was originaly turbo or none...HELP
- Thread starter jackattack
- Start date
As it's a 4 seater it's usually classified as a 2 (or sometimes 3) door sedan meaning insurance isn't too bad.
I pay half what I paid on my 82 Toyota hilux 4x4...
I pay half what I paid on my 82 Toyota hilux 4x4...
Lieing to your insurance company about an n/a converted to turbo isn't smart either....you get in an accident and kill someone your insurance will investigate and they have the right to refuse to pay! That's possible jail time!
just get progressive and add in some cash for additional mods.
i added $2k to my policy and it only went up $120/yr
i added $2k to my policy and it only went up $120/yr
gaboonviper85;1352049 said:
As an insurance agent, I can confirm that as the truth. If you killed/injured someone in an accident, your insurance company could (and most likely would) wash their hands of the incident once they find out your car isn't stock. (It's called concealment, and is cause enough to void out your insurance policy).
You're better off just being honest up front, or you may be throwing your money out the window for insurance when you find out that they won't cover you.
In my case, I'm insured with State Farm, and I told them that I swapped the N/A engine for the turbo engine. They've added a rider on my policy to cover the engine swap, and my insurance didn't go up at all.
The insurance company NEVER looses money.
Knowing this if you get hit by another driver and it is their fault it does not matter what kind of engine is in your car your own insurance does not even get involved unless you add MED PAY (med pay allows you to sue the other partys insurance with out having to get a lawyer to go after metical bills or treatment) to your policey you go after the party at fault and they pay blue book value settlement + mods at used value not retail value!
If you hit someone else and it is your fault your insurance company is liable if they try and drop you because of the accident then get a lawyer and sue the crap out of your own company and work with the party and their lawyers to go after the insurance company.
Remember even if your insurance company drops you they cant put a lean against anything you have because at the age of 19 most people dont own their house or have any assets worth persuing and there is ways of protecting that also homesteading & incorperating assets if you have a lot protects them, even divorces cant take them.
The only thing that would be affected by you not disclosing mods is if you have full coverage they will cover up to the blue book value and not include the value of turbo engine values or mods they hold the responsibilty of your cars insurance value to be disclosed to them to assert values so it is much better to take pictures and document everything and even get your car apraised then even insure it for that value so you have no claims issues for getting full value out of it if it is totaled.
The only way you can goto jail via insurance is by commiting direct fraud.
Not knowing if your car is turbo or non turbo is not fraud they go by the vin anyway.
They know not everyone is a mechanic and know everything about cars & car engines.
Direct fraud is something like buying three supras putting the vin on all 3 cars so you only pay to insure 1 car for registration & insurance and your wife and son drive a supra but use the same coverage for all the cars or things like getting full coverage on your supra because your engine blows up and the week after you get full coverage driving it off a cliff or stripping it and selling the parts on ebay then claiming it stolen etc... you get the picture but thats the only sort of way you could serve jail time for insurance.
Note this pertains to a FAULT state some states are no fault states states like NC wanted both partys to pay for both damages because the believe it was even the innocent persons fault for being born or their at the time so they believe the should even pay even if the other party was drunk and it was their fault.
Knowing this if you get hit by another driver and it is their fault it does not matter what kind of engine is in your car your own insurance does not even get involved unless you add MED PAY (med pay allows you to sue the other partys insurance with out having to get a lawyer to go after metical bills or treatment) to your policey you go after the party at fault and they pay blue book value settlement + mods at used value not retail value!
If you hit someone else and it is your fault your insurance company is liable if they try and drop you because of the accident then get a lawyer and sue the crap out of your own company and work with the party and their lawyers to go after the insurance company.
Remember even if your insurance company drops you they cant put a lean against anything you have because at the age of 19 most people dont own their house or have any assets worth persuing and there is ways of protecting that also homesteading & incorperating assets if you have a lot protects them, even divorces cant take them.
The only thing that would be affected by you not disclosing mods is if you have full coverage they will cover up to the blue book value and not include the value of turbo engine values or mods they hold the responsibilty of your cars insurance value to be disclosed to them to assert values so it is much better to take pictures and document everything and even get your car apraised then even insure it for that value so you have no claims issues for getting full value out of it if it is totaled.
The only way you can goto jail via insurance is by commiting direct fraud.
Not knowing if your car is turbo or non turbo is not fraud they go by the vin anyway.
They know not everyone is a mechanic and know everything about cars & car engines.
Direct fraud is something like buying three supras putting the vin on all 3 cars so you only pay to insure 1 car for registration & insurance and your wife and son drive a supra but use the same coverage for all the cars or things like getting full coverage on your supra because your engine blows up and the week after you get full coverage driving it off a cliff or stripping it and selling the parts on ebay then claiming it stolen etc... you get the picture but thats the only sort of way you could serve jail time for insurance.
Note this pertains to a FAULT state some states are no fault states states like NC wanted both partys to pay for both damages because the believe it was even the innocent persons fault for being born or their at the time so they believe the should even pay even if the other party was drunk and it was their fault.
Evilempire1.3JZ-GTE;1352177 said:
There's so much wrong with this statement, and so many wrong assumptions that I'm not even going to try to correct it all.
Bear in mind, that the application you sign to purchase your insurance is a legal binding contract between you and your insurance company. As with any contract, any deviations from that contract (like concealment of a swapped engine) make that contract noll and void. You can take your company to court all you want, but in the end you're the one in breach of contract; and 99% of the time, you'll lose in court.
This applies to liability only policies as well as full coverage policies, especially in a "no fault" state; as the insurance company is legally bound to cover all of your medical expenses in the event of you being injured in an auto accident.
No offense, but instead of making false assumptions and talking out of your ass; learn how insurance and the claim process really works, before spreading false information. (Remember, this is coming from a licensed insurance agent who works with insurance on a day in/day out basis).
Use progressive, tell the truth. My driving record sucks, (mostly statute violations), and I'm only paying about 700.00 a year in MA for minimum coverage.
mine is $387 for 6 months = $744 per year.
thats for full coverage with an additional $2k on the policy for mods
funny thing is, i still have a restricted license (7:00am-7:00pm) but since progressive only goes back 3 yrs for tickets, and 5 for accidents (0 at faults) i have a perfect driving record.
progressive is the way to go!! especially if you have some tickets in your past.
just go to progressive.com and get a quote, it only takes a couple mins, and the numbers you see there is what you pay. given you entered accurate info.
oh god... im rambling and sound like an insurance salesman. :1zhelp:
thats for full coverage with an additional $2k on the policy for mods
funny thing is, i still have a restricted license (7:00am-7:00pm) but since progressive only goes back 3 yrs for tickets, and 5 for accidents (0 at faults) i have a perfect driving record.
progressive is the way to go!! especially if you have some tickets in your past.
just go to progressive.com and get a quote, it only takes a couple mins, and the numbers you see there is what you pay. given you entered accurate info.
oh god... im rambling and sound like an insurance salesman. :1zhelp:
Sorry for threas jack but i have 1 question about the vin number. MA70 = NA and MA71 = Turbo right? I met a guy with an 89, must have been an early 89 since his car has the square mounts. However, the vin number on the car, printed right at the fire wall says something like this XXMA70~XXXX. His car is a turbo and all vins on the car are original. Vins on the fender still there (both side and it says MA71....and the rest are the same as the ones on the firewall) So i was just wondering why does it says MA70 on the firewall but the rest are MA71 and the rest of the vin are the same.
Didn't they also use MA70 chassis for some of the Turbo years? IIRC, I read something on here about Toyota not having enough MA71 chassis, so they used MA70's for turbo models as well? My old 89 said MA70 on the firewall, but was a turbo from the beginning, car-faxed and all. Correct me if I am wrong, and yes I know it is an older thread.
MA70 = Turbo and non-turbo Chassis Code
VIN is not chassis code. In the VIN, MA70 = N/A, MA71 = Turbo.
No, Toyota never ran out of MA71's and used MA70's or any other far-fetched idea.
Jeff
VIN is not chassis code. In the VIN, MA70 = N/A, MA71 = Turbo.
No, Toyota never ran out of MA71's and used MA70's or any other far-fetched idea.
Jeff
Will have to double check, but am pretty sure my VIN is MA70 and is factory turbo. Might be because it's a JDM 86.5 (yes they came out factory 7mgte in 86)
MK3pizzadriver;1421802 said:
As I stated earlier in this thread, most companies don't care (or charge extra) if you swapped in a turbo motor.
I don't see why anyone would want to take any risks by trying to hide an engine swap from their insurance company (concealment), and hope they don't find out and void your policy?
MK3pizzadriver;1421802 said:
No, they will void all coverage on your policy; meaning you have NO COVERAGE WHATSOEVER!
On a separate note, I also hope you have a commercial auto policy, Pizzadriver; as delivering pizza's with your car voids a personal auto policy. If you don't have a commercial auto policy, you may want to look into it. The last three commercial policies I wrote for clients delivering pizzas, ended up being cheaper than a regular personal policy. (Correct coverage for less money).
How does one said insurance company blame your swapped motor for causing an accident? Does it matter what engine was in your car that made it drive 100mph? Doesn't a 7MGE, 7MGTE, 2JZGTE motor all attain similar speeds? Sounds like a typical insurance company giving you the short end of the stick, as usual.