A Performance or A Safety Feature?

SoYank · 02-21-2008, 12:24 PM

Would an insurance company consider a Limited Slip Differential to be a performance enhancement or a safety enhancement? I think an argument could be raised for either or both. Would adding an aftermarket LSD increase a premium?

tmoney · 02-21-2008, 01:27 PM

My question is: Would the insurance company know or even care? I don't think they will, and there shouldn't be any increase in your premium.

tintivilus · 02-21-2008, 01:49 PM

Quote:

Originally Posted by tmoney

My question is: Would the insurance company know or even care? I don't think they will, and there shouldn't be any increase in your premium.

It's a question of coverage. If you want your LSD replaced when your car is totalled out you need to add it to your policy. Allstate refuses coverage (at least in IL) of any "performance enhancing" modifications right off the bat.

judec · 02-21-2008, 04:22 PM

I'm affraid U'll have a hard time convincing anyone your LSD is a safety mod, unless U find s/o really dumb

epiphone3 · 02-21-2008, 04:27 PM

Quote:

Originally Posted by judec

I'm affraid U'll have a hard time convincing anyone your LSD is a safety mod, unless U find s/o really dumb

why? It improves traction. I have considered getting one to improve my car's safety for winter conditions.

montreal red · 02-21-2008, 05:28 PM

well you might be able to convince your insurance company but i am sure it'll take a lot of trouble... you might have to show them some sort of "proof" that they improve safety... i am not sure how you will do that.

BeMyWife330i · 02-21-2008, 05:39 PM

if u prove its safer, it should lower ur premium

Ryan@Motorwerks · 02-21-2008, 07:08 PM

yes to more traction, but it makes the car a little more difficult to handle at the limit.

02-21-2008, 12:24 PM	#1
SoYank Major General 571 Rep 7,519 Posts Drives: 2009 E90 335i MT Join Date: Mar 2006 Location: Vinton, Virginia iTrader: (1) Garage List 2009 BMW E90 335i S ... [9.00]	A Performance or A Safety Feature? Would an insurance company consider a Limited Slip Differential to be a performance enhancement or a safety enhancement? I think an argument could be raised for either or both. Would adding an aftermarket LSD increase a premium? __________________ **2009 E90 335i Montego Blue · Black Leather · Burl Walnut · 6MT · US Spec** SatNav • ZPP • ZCW • 6FL • TPMS • iDrive • PDC • HWS • Xenons • BMW Assist • Power Rear Sunshade • Logic 7 European Taillights • Rear Foglamp • OEM Alarm • PicoTray • DataToys XM-DVR • Multi-view Processor Quaife ATB LSD • Short Shift Knob • Hartge Anti-Roll Bars • AP Racing Front Brakes • 19" Style 269
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02-21-2008, 01:27 PM	#2
tmoney First Lieutenant 23 Rep 334 Posts Drives: E90 335i Join Date: Nov 2006 Location: Atlanta, GA iTrader: (0) Garage List 2007 E90 335i [0.00]	My question is: Would the insurance company know or even care? I don't think they will, and there shouldn't be any increase in your premium. __________________ E90 335i - Black Sapphire on Terra // Full M-Tech Kit // Euro clear headlights // Vorsteiner vented hood // Gloss black front grill // Gloss black window trim // Carbon fiber splitters // Carbon fiber trunk spoiler // BMW Performance 19's
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02-21-2008, 04:22 PM	#4
judec born to be turbocharged 24 Rep 1,347 Posts Drives: Not a bimmer yet Join Date: May 2007 Location: Slovakia iTrader: (0)	I'm affraid U'll have a hard time convincing anyone your LSD is a safety mod, unless U find s/o really dumb __________________ Disclaimer: All this message was written with recycled electrons.
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02-21-2008, 05:28 PM	#6
montreal red chris 278 Rep 12,144 Posts Drives: White Boat Join Date: Jun 2007 Location: Toronto iTrader: (31)	well you might be able to convince your insurance company but i am sure it'll take a lot of trouble... you might have to show them some sort of "proof" that they improve safety... i am not sure how you will do that. __________________ Current: 2013 F10 M5 & 2016 Mini JCW 2013 GLK350 (gone), 997.1 GT3RS (gone), 2009 WRX STI (gone), e92 M3 (gone)
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02-21-2008, 05:39 PM	#7
BeMyWife330i DIMA ZMEY 23 Rep 496 Posts Drives: B5 S4 avant Join Date: Apr 2007 Location: Chicago, Illinois iTrader: (7)	if u prove its safer, it should lower ur premium __________________
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02-21-2008, 07:08 PM	#8
Ryan@Motorwerks Captain 48 Rep 963 Posts Drives: X3M Join Date: Oct 2005 Location: Houston, TX iTrader: (0)	yes to more traction, but it makes the car a little more difficult to handle at the limit.
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