I'm was just reading my policy and Progressive says that it will not cover a vehicle that has been "substantially modified". This includes lowering the car, drivetrain/engine modifications, chassis modifications etc, or used for racing.

So how is it that people who have accidents are or have things stolen or damaged are able to get their insurance company to cover the damages?

Also there's no where in the policy it's mentioned that Driver Education events are prohibited...only racing, but i wonder if they differentiate between the two.

Any ideas of other insurance companies that cover the above and don't make a big deal about it.

 

i'm not sure.. i think they'll only cover what the stock parts are worth.

 

95% of the time the factory OEM parts are cheaper then the aftermarket. as far as them insuring you, ive known plenty of people with modded cars that have progressive and havent had any issues with them.