Miata Mailing List: November 1993, Message #71
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   From: bruce@lurch.Data-IO.COM
Subject: Re: mx5 brakes and more power (fwd)
   Date: Thu, 4 Nov 1993 13:11:27 -0500


Anything you lie about that would affect your insurance company's
computation of your risk rating is going to cause problems.  How they
compute their risk is their business, but if they access a $5 surcharge to
everyone who has a supercharger, and you have one and lie about it, don't
expect to ante up $5 after the accident. That's not how insurance works. 
Expect to get cancelled, or sued, or charged.

> Bruce writes:
> If you have a liability problem (like accidently running over a two-year-old),
> misreporting your equipment could nullify your contract.  They could refund
> your premium, and you will be on your own defending against a $250,000
> punitive damages claim."
> 
> Bruce,
> I sort of see your point, but it would be extremely difficult to prove that 
> the supercharger had caused the running over of a two-year-old in your example,
>  unless you were travelling at a speed unreachable in a dead-stock car.  If 
> that were the case, having a radar detector in your otherwise stock car at the 
> time of an accident would also cause you to be dumped.  (GEICO doesn't like 
> radar detectors either).