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Thread: HID light accident scenario....

  
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    HID light accident scenario....

    Say for example, a car has aftermarket HID's.
    Going down a main road at night, the HID's are adjusted correctly so as not to blind oncoming drivers. An oncoming driver skids on ice, smashes head on into your car.
    The driver of that car is seriously injured/dead. You have some injuries but not life threatening.
    Police/insurance get involved, they discover you have an aftermarket HID kit installed.
    What would happen? Is it likely you wouldnt be covered by insurance and end up losing your house and everything else to pay for everything? Or is that ott.

    The mods on my car are:

    door badges
    HID kit
    new heater vents
    cone air filter
    sub and amp/kenwood stereo


    Which of these need to be notified to insurance?

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    Any modification should be quoted...

    heater vents and door badges I would not worry about
    End of an era - She's gone to a good home

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    plus if a car skids on ice an hits you - they are to blame and they repair your car

    most companies inc a basic stereo cover but informing them you have aftermarket equipment wont hurt

    cone filter they may see as a performance mod, and I dont know if the lights would make any difference, although they may only replace with factory fit units - which in your case would be standard halogen
    End of an era - She's gone to a good home

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    Quote Originally Posted by m5dkw82 View Post
    plus if a car skids on ice an hits you - they are to blame and they repair your car

    most companies inc a basic stereo cover but informing them you have aftermarket equipment wont hurt

    cone filter they may see as a performance mod, and I dont know if the lights would make any difference, although they may only replace with factory fit units - which in your case would be standard halogen
    Ok forget the ice bit. Just say its a dark night and somehow the accident is my fault.
    I have halogens in the boot as well.

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    Think I would be ringing my insurance company and informing them I am thinking of upgrading my standard headlights to some xenon lights and would there be any difference in my premium

    when they say yes, say oh well never mind I shall do without and hang up
    End of an era - She's gone to a good home

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    I would suggest that you let them know about things like lights, and cone filter, along with any ICE. They will try and do anything to get out of paying a claim if you don't declare mods.

    Only things I have declared on my insurance is my wheels and stereo. Rest of it like colour coded boot strip and grill really IMO make no difference at all.

    If and when the audio bits I plan to add are done, the insurance will be notified. My insurance allows up to £1k in ICE, so long as its declared.
    Astra sold ... replaced with a Skoda ... soon to be replaced with another Vauxhall

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    Quote Originally Posted by EazyDuz View Post
    Say for example, a car has aftermarket HID's.
    Going down a main road at night, the HID's are adjusted correctly so as not to blind oncoming drivers. An oncoming driver skids on ice, smashes head on into your car.
    The driver of that car is seriously injured/dead. You have some injuries but not life threatening.
    Police/insurance get involved, they discover you have an aftermarket HID kit installed.
    What would happen? Is it likely you wouldnt be covered by insurance and end up losing your house and everything else to pay for everything? Or is that ott.

    The mods on my car are:

    door badges
    HID kit
    new heater vents
    cone air filter
    sub and amp/kenwood stereo


    Which of these need to be notified to insurance?

    Be aware that insurance companies can and do read forums
    If in doubt, tell them everything...

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    Quote Originally Posted by Coo View Post
    Be aware that insurance companies can and do read forums
    If in doubt, tell them everything...
    well ive done nothing wrong lol, but yea i will give them a call

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    Oh and the HID's will be illegal next year and wont pass an MOT, new rules

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    Quote Originally Posted by Zletsgo View Post
    Oh and the HID's will be illegal next year and wont pass an MOT, new rules
    Actually its from 1st Jan 2012.

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