<HTML><FONT FACE=arial,helvetica><HTML><FONT COLOR="#000000" FACE="Geneva" FAMILY="SANSSERIF" SIZE="2"><BR>
In a message dated 11/19/13 18 19 50, mbefthomas@comcast.net writes:<BR>
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<BLOCKQUOTE CITE STYLE="BORDER-LEFT: #0000ff 2px solid; MARGIN-LEFT: 5px; MARGIN-RIGHT: 0px; PADDING-LEFT: 5px" TYPE="CITE"></FONT><FONT COLOR="#000000" FACE="Geneva" FAMILY="SANSSERIF" SIZE="2">That brings up an interesting question: how modified is modified? I’ve been with Hagerty since I bought the Pantera. The body is stock, but the engine, suspension, wheels/tires, seats, etc. are certainly not stock. Am I setting myself up for a denial of claim if something were to happen?<BR>
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>>>Anytime your car is something other than what you represented, you leave yourself open to trouble. There are some things that they don't seem to care about (seats for instance), but improved safety gear automatically makes them think you are racing the car, and they jack up your premiums. Same thing with increased power, better brakes, etc.<BR>
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The smart thing to do is ask the question before you need to file a claim, not after....<BR>
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Mike</FONT><FONT COLOR="#000000" FACE="Geneva" FAMILY="SANSSERIF" SIZE="2"></FONT></HTML>