Car parked for two weeks. Now problems

[r33_gtst]

Recently some of you may know that my car was hit and I went through insurance to fix the front fender. My car was parked for two weeks and moved a hand full of times. I got my car back today and there are a few issues. There is a serious miss fire and my car sounds like a Subaru. Sounds like the old coil pack issue I had a few years back. Car ran like poo and then after 30 min of driving it smoothed out. I've never had that happen before and the car had been parked on 3 different occasions for 4-5 months each time.*

Second, my EGT gauge is reading 1600 and up to the max 2000 then is flashing and blinking and the back light turns off. I know my exhaust gas temperature is not what it's telling me because my other 6 gauges are correct. Water and oil temps are exact. Everything. Is the sensor done? How could two weeks of the car being parked cause this? The fender repair was on the same side as the downpipe and EGT sensor.... Could they have damaged a wire or plug or something?

To make matters worse, came home and got a letter from State Farm.*
"...you are covered for this loss but we have concerns with the modifications made to your vehicle from its original manufacturers design. These modifications may disqualify you from further insurance protection"*

I guess the adjuster went to take pics of my car and noted the exhaust, wheels, being lowered. Does this mean they want it stock or they won't continue the policy?

[Oakville]

That's how insurers work. With RHD, cars gotta be stock most times...

[PurpleStreak]

You have to disclose aftermarket modifications for any car as well.

Sent from my MB860 using Tapatalk 2

[Fred-R]

the f*ck man!! feel sorry for you! hope it won't never happen to me: insurance sucks!!... Sorry i can't help resolve your issues tho... best of luck!

[MKIV]

As mentioned, all modifications must be disclosed at the time of renewal.

Sorry to hear Andrew, hope it all works out. Insurance in Ontario is the worst thing ever.

[Dragon Humper]

You guys and your private insurance, sucks to be you.


The probes are not too expensive, change it out, if nothing changes you got serious other issues and a spare probe.




Jon.

[r33_gtst]

How does everyone else have their policies? As stock vehicles?
Is there a company in Ontario that will actually insure a modified rhd?

Talked to my agent today, he said most companies won't even do the claim and will drop to policy. In my case they still went ahead with the work and sent me this letter. So I'm not completely screwed.
Agent hasn't talked to the adjuster yet so I don't know wht their main concern with my car is
Big front mount intercooler, exhaust, lowered with 18" wheels
My agent thinks the lowering is their issue. I think the only way I can get around this is the wording of what they sent me" modifications made to your vehicle from the manufacturers original design"
My car came with nismo height and dampening adjustment coil overs. They don't know **** about our cars, who's to say the car didn't come like that from the factory. It is a Nissan part (Nissan Motorsports: nismo) and I have pictures of them fr when I bought my car
I can argue I replaced them, not modified the suspension. I put a newer version and higher quality replacement part on.

I know insurance companies feel lowered cars are dangerous. Lowering a car effects the geometry of the handling. I have upgraded the control arms, traction rods, toe links, bushings Ect to compensate. My agent thinks that if I went to Nissan and paid for a certified Nissan mechanic to do a safety chek on the car and sign off saying it it safe ten the insurance company will be ok with it. Their concern is the safety of a vehicle in an accident. If I get that from Nissan and they can point out a lowered stiffened suspension is actually safer due to a lower centre of gravity then im golden. He also said it doesn't leave Nissan liable for anything and my best bet. I will know more early next week

[Oakville]

Lately insurance companies have been denying policies upon renewal, because of RHD. They did nothing! Filing a claim seems to be a good way to lose your policy before renewal, you did get very lucky.

Lant offers modified policies from what I know...but you have to be 26 or older and licensed for at least 10 years.

[r33_gtst]

^i apply to both of those criteria's
Do you have anymore info about them?

[Oakville]

Google Lant Silver Wheels. They have two types of "collector car" policies, one for historical/pristine OEM cars that are considered antique, and one for specialty cars, including oem and heavily modified cars. The only catch is, you have to have a first car that you use as a daily driver. But policies are full coverage, incl collision, and are often only a few hundred dollars per year (I've seen guys with sub 500$/yr policies).

[MattiasJacobs]

Build a race car. Buy a trailer. Drive at the track. I doubt my car comes out of the garage next year unless I find some dope insurance. Facility has had their hands in my pocket for far too long.

[r33_gtst]

Google Lant Silver Wheels. They have two types of "collector car" policies, one for historical/pristine OEM cars that are considered antique, and one for specialty cars, including oem and heavily modified cars. The only catch is, you have to have a first car that you use as a daily driver. But policies are full coverage, incl collision, and are often only a few hundred dollars per year (I've seen guys with sub 500$/yr policies).

Appreciate it, gonna look into that. I'm picking up a 93 pathfinder so the multi vehicle thing will work good. I've had a different winter beater every winter. This truck is mint and I want to keep it

Build a race car. Buy a trailer. Drive at the track. I doubt my car comes out of the garage next year unless I find some dope insurance. Facility has had their hands in my pocket for far too long.

I wish I could but I can't. I've driven my car for 33 of the 48 months that I've owned it. I've put a good amount of km's on the car and love driving it. It makes my day every day. My car isn't a garage/track hobby, it's part of my every day driving experience.

[Skym]

Could be the classic case of them thrashing car. Car goes in there without problems and comes out with broken stuff (sometimes they accidently damage or unplug stuff when removing, fitting panels). If you leave car with a panel beater, most in the know remove engine, looms, etc, so car can't be thrashed or damaged by heat from bake oven, etc. Sometimes you are lucky and they don't thrash car.

I know insurance companies feel lowered cars are dangerous. Lowering a car effects the geometry of the handling. I have upgraded the control arms, traction rods, toe links, bushings Ect to compensate. My agent thinks that if I went to Nissan and paid for a certified Nissan mechanic to do a safety chek on the car and sign off saying it it safe ten the insurance company will be ok with it. Their concern is the safety of a vehicle in an accident. If I get that from Nissan and they can point out a lowered stiffened suspension is actually safer due to a lower centre of gravity then im golden. He also said it doesn't leave Nissan liable for anything and my best bet. I will know more early next week

It's probably the strength of arms (I have seen photo's of rear aftermarket chromed arms that have snapped in half when car was driven on road), quality of balljoints (some have to have nipples to be lubed and protected from dust), etc.

Nismo usually run hard rubber bushes for road spec cars (harder rubber than factory bushes), as don't need lubing like Nolathane bushes, balljoints, produce better handling than with factory bushes, etc (they say it makes car feel like new).

Also when some lower cars, they fit higher than necessary spring rates (without doing the calculations) that cause traction problems in wet, dry conditions, snowy conditions when cornering. I've seen some run extreme spring rates on racetrack (more than what's required) and car is like on ice when cornering (dry racetrack). Imagine that on the road in snowy conditions???

I would think they do know the potential risks from previous experiences with similar modified cars. You have to see it from their point of view, if car loses traction and plows into something, who pays for it????

[Daryl @ RightDrive]

I disclosed most of my modifications when I got insured, and no problems.

[cdnleaf]

^^. That's why I unloaded my WD21 Pathfinder, disclosure of 4x4 mods was going to double my premium. Funny as it's now cheaper for me (insurance wise) to drive the Skyline, than the 95 Pathfinder.
R33_gtst - I'm with Lant and have had no issues. Might want to save the under the hood info for a non-open source forum. Getting tanked by an insurance company is generally not a good thing. All the best.