Miata Mailing List: November 1993, Message #54
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   From: Bill Kim 
Subject: Re: mx5 brakes and more power (fwd)
   Date: Wed, 3 Nov 1993 23:38:12 -0500



On Wed, 3 Nov 1993, Jeff Maurer wrote:

> Forwarded message:
> > From: Herb Samuels 
> > To: Multiple recipients of list 
> > Subject: Re: mx5 brakes and more power
> > Date: 	Wed, 3 Nov 1993 13:15:50 -0500
> <...>
> > perfect.  Although adding the power is not cheap, it transforms the
> > Miata the way Mazda should sell the car and would sell the car in the
> > U.S. if it were not for Mazda's concerns about the cost of insurance.
> 
> Ah, yes, Herb touches on a subject I was curious about.  When we talk
> about turbo/super charging the Miata vs. buying an RX7 or MR2 turbo it
> would seem that lower insurance rates would be one reason to consider
> the Miata.  So does anyone know how the insurance companies view aftermarket
> power boosts?  Are you violating the agreement (assuming that you don't
> tell them about the changes), or do they simply cover the value of the 
> stock car and not the aftermarket parts/labor?  Or will insurance cover 
> the car and the aftermarket parts?  (Seems unlikely - however the parts 
> _are_ bolted on and therefore part of the car, which seems to be the
> qualifier for stereo equipment.)

When I had a serious wreck in my GTI, they covered everything, including
the body kit, custom wheels and such. I would assume that if the engine
was somehow damaged, they would cover what ever the parts were,
aftermarket or stock. I did not inform the insurance company before the
accident and they had no problems fixing the aftermarket stuff. If the car
is totaled, then I think its a different story..... My brother had to pull
his stereo out of his car after it was totaled because they would not
cover that. I think it also varies from one company to another..... Any
insurance agents/adjusters out there?