Car insurance help..

Flyboy152

pulsex0r wrote: »

I'm grateful for the influx of messages!

It is not the whole exhaust system as far as I'm aware instead it is just the backbox.

Regarding if those were the only "mods" on the car then no - the windows were also tinted.

It is the Co - Operative insurance company.

As far as I'm aware backboxes don't have much performance gain, if at most a couple of BHP.

What would you say is the best course for him to go for? what is the absolute best he can hope for? Am I right in saying that the insurance will have to pay for the 3rd party's costs even though they've voided his insurance?

Once again, your help is appreciated.

Which windows are tinted and what grade of tinting is on the windows?

pulsex0r

All of them. I'm not sure what the front ones where but the back ones were near enough limo black.. which is legal anyway right?

Flyboy152

pulsex0r wrote: »

All of them. I'm not sure what the front ones where but the back ones were near enough limo black.. which is legal anyway right?

Are the front ones the same or not significantly different?

pulsex0r

I think the front one's may be a lil darker than they should but passed M.O.T fine?

Flyboy152

pulsex0r wrote: »

I think the front one's may be a lil darker than they should but passed M.O.T fine?

Traffic police a meter they carry in their cars to measure window tints, I am sure loss adjusters have similar devices.

pulsex0r

Well probably added to their case of voiding the insurance.

What would you say is the best course for him to go for? what is the absolute best he can hope for? Am I right in saying that the insurance will have to pay for the 3rd party's costs even though they've voided his insurance?

Once again, your help is appreciated.

Flyboy152

pulsex0r wrote: »

Well probably added to their case of voiding the insurance.

What would you say is the best course for him to go for?

Honesty is always the best policy. Lies will be found out at some point, but if you have lied, it will just make matters worse.

Am I right in saying that the insurance will have to pay for the 3rd party's costs even though they've voided his insurance?

Once again, your help is appreciated.

Yes, the insurers will pay the third party, but under subrogation clauses in the policy, they might attempt to recover their loses from your friend.

what is the absolute best he can hope for?

That he might be able to persuade the insurance company that he was ignorant of the need to inform them of the modifications to his car and they might look upon him favourably.