Go Back  F150online Forums > F-Series Trucks > 2004 - 2008 F-150
Listen to this stupid horse-crap...thanks GEICO >

Listen to this stupid horse-crap...thanks GEICO

2004 - 2008 F-150

Listen to this stupid horse-crap...thanks GEICO

 
  #1  
Old 04-08-2009, 10:08 PM
Technical Article Contributor
Thread Starter
Join Date: Apr 2007
Location: Pearl Harbor
Posts: 3,807
Likes: 0
Received 0 Likes on 0 Posts
Listen to this stupid horse-crap...thanks GEICO

I installed a Roush Supercharger back in Oct. I informed my insurance company, GEICO, in November. My policy has since renewed 1 time, and would have renewed this June.

Today, I got a letter in the mail from GEICO. It was a letter to thank me for my past business, but unfortunately I no longer qualify for insurance via GEICO.

The specific wording is:
Due to unacceptable customization (s) on the 2006 Ford, VIN XXX
The helpful girl at the local branch says that there is suspicion I am racing my truck. In addition, Supercharger/Turbo are not covered at all with GEICO.


So just a FYI for you guys. I asked what if I were to buy a Supercharged/Turbo vehicle off the lot (aka GT 500, Cobalt SS...etc.). At this time, they do not cover Forced Induction vehicles.
I then of course asked about the Diesel trucks...and got a whole story about it being different.
.



BTW, they also will only cover 4" of lift or less...or vehicles lowered using Hydraulics.






Be careful. I got punished hardcore for doing the right thing. Went from $600 every 6 months for full coverage on 2 vehicles, to just over $900 every 6 months.
also found out that GEICO had lowered my coverages from the $50,000 I had been paying for previously, to a $25,000 coverage. Apparently this happened the last time my policy renewed.


make sure to check with your company very carefully what they will and will not support. Luckily USAA (new company) is pretty mod friendly. Just gonna cost me another $600 a yr.
 
  #2  
Old 04-08-2009, 10:12 PM
Senior Member
Join Date: Jan 2008
Location: Ga
Posts: 327
Likes: 0
Received 0 Likes on 0 Posts
That sucks man. Just wondering though, did they have to know you had a supercharger, or was is just voluntary that you let them know?
 
  #3  
Old 04-08-2009, 10:14 PM
Suspended
Join Date: Nov 2007
Location: Navasota, Tx
Posts: 701
Likes: 0
Received 0 Likes on 0 Posts
Have you taken your truck to the track? Ive heard of agents going to the track and writing down plates to run to see if they hold their policy. Just so they can drop them.

Have you gotten any racing tickets?
 
  #4  
Old 04-08-2009, 10:15 PM
Senior Member
Join Date: Sep 2005
Location: Decatur,AL
Posts: 3,019
Likes: 0
Received 0 Likes on 0 Posts
I think that fairly common among the insurance industry. Any kind of major expense going into/onto my truck, I would call insurance to see if they covered it first.
 
  #5  
Old 04-08-2009, 10:22 PM
Stealth's Avatar
Senior Member
Join Date: Nov 2005
Location: Burleson, Texas
Posts: 17,123
Likes: 0
Received 0 Likes on 0 Posts
USAA is the best insurance you can get IMO. My Father has it (Ret. Major, US Army) so when I was of age I was able to get my own policy through them. I've never had one single iota of an issue with them in 20 years of coverage. Very good people.
 
  #6  
Old 04-08-2009, 10:25 PM
Suspended
Join Date: Jul 2007
Location: WI
Posts: 3,981
Likes: 0
Received 0 Likes on 0 Posts
WOW what a crock, i have all mods insured thru general casualty. i wonder if they would insure a saleen f150? everywhere you turn these days something is try bend you over, it's getting sad real quick.

i got caught racing on the street back in the day, good thing the audio police pulled me over in a dodge shadow and had no radar, very close call that night
 

Last edited by ATOM; 04-08-2009 at 10:29 PM.
  #7  
Old 04-08-2009, 10:32 PM
Senior Member
Join Date: Jan 2009
Location: Florida
Posts: 1,062
Likes: 0
Received 0 Likes on 0 Posts
State Farm covers all, I work for them and there is no issue, basically they have no restrictions on customizations, and if it is there at time of accident or whatever its covered
 
  #8  
Old 04-08-2009, 10:46 PM
Senior Member
Join Date: Dec 2007
Location: Northern-Central, CA
Posts: 992
Likes: 0
Received 0 Likes on 0 Posts
Originally Posted by Jpaye View Post
State Farm covers all, I work for them and there is no issue, basically they have no restrictions on customizations, and if it is there at time of accident or whatever its covered
Yep, even on their motorcycle coverages... I haven't had any issues with them.
 
  #9  
Old 04-08-2009, 10:49 PM
Senior Member
Join Date: Jun 2007
Location: Nebo, NC
Posts: 736
Likes: 0
Received 0 Likes on 0 Posts
I just got a letter saying that my wheels wouldn't be covered.
 
  #10  
Old 04-08-2009, 10:51 PM
Senior Member
Join Date: Jan 2009
Location: Florida
Posts: 1,062
Likes: 0
Received 0 Likes on 0 Posts
letter from who? and what kind of wheels?
 
  #11  
Old 04-08-2009, 10:59 PM
Senior Member
Join Date: Apr 2007
Location: GA
Posts: 1,670
Likes: 0
Received 0 Likes on 0 Posts
I think your the only person in the world that told them you have aftermarket parts...Probably not the best idea
 
  #12  
Old 04-08-2009, 11:14 PM
Senior Member
Join Date: Jan 2006
Location: iowa
Posts: 520
Likes: 0
Received 0 Likes on 0 Posts
Originally Posted by jlstang351 View Post
I think your the only person in the world that told them you have aftermarket parts...Probably not the best idea
what if he would have hit someone and killed them, geico could have said the modifications were in violation of his policy and not covered it. then he would of been in a world of hurt.
 
  #13  
Old 04-08-2009, 11:27 PM
Senior Member
Join Date: Jan 2007
Location: Erie, PA
Posts: 2,560
Likes: 0
Received 0 Likes on 0 Posts
It was definetely the right thing to tell them, just like thirdgen said, better than havin them not cover you when you kill someone

But the good news is I can save 15% on my auto insurance
 
  #14  
Old 04-08-2009, 11:31 PM
Technical Article Contributor
Join Date: Jan 2007
Location: Vernon, NY
Posts: 9,003
Received 12 Likes on 12 Posts
Just another reason to buy a turbo diesel...

j/k


I'm surprised I haven't been kicked off my insurance for all the radio equipment and stuff I have in my truck...

It's like my truck can kill people with pacemakers from 2 miles away, plus give people (including myself) heavy doses of RF radiation...

In fact.. right now, I'm going lick my antenna while I transmit... I need the extra RF...
 
  #15  
Old 04-08-2009, 11:39 PM
Senior Member
Join Date: Jul 2008
Location: Gainesville, FL
Posts: 427
Likes: 0
Received 0 Likes on 0 Posts
USAA is the best insurance you can get IMO. My Father has it (Ret. Major, US Army) so when I was of age I was able to get my own policy through them. I've never had one single iota of an issue with them in 20 years of coverage. Very good people.
+ 1,298,379,128,739,182,793,817,293,719,287

I have NEVER had a problem with anything... credit cards, loans, insurance, etc through USAA. heck... When some thugs broke into my truck and stole my system... USAA UPGRADED my system... they couldnt get the same parts that were in the truck anymore so they paid more for better parts.... I will ALWAYS use USAA.
 

Thread Tools
Search this Thread
Quick Reply: Listen to this stupid horse-crap...thanks GEICO


Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service

© 2019 MH Sub I, LLC dba Internet Brands

We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.
 
  • Ask a Question
    Get answers from community experts
Question Title:
Description:
Your question will be posted in: