#1
14th September 2008 - 01:32 AM
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I've heard lots of rumours about this but can anyone actually verify this? I don't think a 35% tint is enough and want to get either 15-20% done. So has anyone actually had there insurance void their warranty because of this? Do they check after the crash or something? Cheers, James -------------------- In the streets with a heater under my dungarees Dreams of me getting shaded under a money tree For Sale: Nintendo Wii - $80 |
rotor_head_83
Post #2
isnt 35% tint the legal maximum? it would depend on a few factors, namely ur insurance company and the situation of the crash (i.e. could poorer visibility due to tinted windows been a factor in the crash VS if someone crashed into your parked car when you werent in it) |
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MFC05
Post #4
QUOTE(HEI57 @ Sep 14 2008, 07:58 PM) [snapback]1282875165[/snapback] i kno someone who has their insurance voided cuz they had an aftermarket sound system with out letting the insurance company know... If you dont follow your insurance companies guidelines and down the track your inovled in a crash, the first thing the insurance companies is going to do is discover ways of not paying up, such as above. So make sure everyone read up on there policies and contents ! |
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bustage
Post #5
QUOTE(rotor_head_83 @ Sep 14 2008, 07:44 PM) [snapback]1282875084[/snapback] isnt 35% tint the legal maximum? it would depend on a few factors, namely ur insurance company and the situation of the crash (i.e. could poorer visibility due to tinted windows been a factor in the crash VS if someone crashed into your parked car when you werent in it) ud really have to call the insurance company to find their policy on tinting "Automotive tinting material which has a light transmittance factor of not less than 35 per cent (T35) may be used on any non-tinted side or rear window." Yeh man i know about the 35% thing. Thats why i said 35% isn't enough. Tints then go down in percentage the darker they go |
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rotor_head_83
Post #6
yeah yeah |
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ExodusDesign
Post #7
Almost every insurance company will void your insurance due to illegal items attached to the car, if they choose to investigate it thoroughly. |
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Weekend Warrior
Post #8
Im pretty sure that unless the modification is found to be the sole factor in the accident then they can't refuse you cover, for example with old mate and the after market stereo. If he has a crash and needs a new bumper bar the insurance company can't deny him cover because the mod has nothing to do with the accident, but if his system fuck up and over loads the battery causing it to catch fire (lol) and burn a big hole in his car then he's not covered. |
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Rookie ROX
Post #10
QUOTE(ExodusDesign @ Sep 14 2008, 08:55 PM) [snapback]1282875568[/snapback] Almost every insurance company will void your insurance due to illegal items attached to the car, if they choose to investigate it thoroughly. QUOTE(Weekend Warrior @ Sep 14 2008, 08:57 PM) [snapback]1282875576[/snapback] Im pretty sure that unless the modification is found to be the sole factor in the accident then they can't refuse you cover, for example with old mate and the after market stereo. If he has a crash and needs a new bumper bar the insurance company can't deny him cover because the mod has nothing to do with the accident, but if his system fuck up and over loads the battery causing it to catch fire (lol) and burn a big hole in his car then he's not covered. so basically, how good a driver are you? Because as long as your careful and don't merge onto some one etc then you should be right. Not quite. A stereo is a terrible example, because few companies enforce policies to that extent. They're more inclined simply to deny payment for it if you haven't notified them of it - it's not illegal to have one. If your car is a defectable state because it is fitted with illegal items or illegal modifications, it is not to the standard you agreed to when you signed your policy contract. You are therefore breaching your contract and they have every right to void your policy. They can do the same thing if you're in an incident in which you were breaking the law - such as speeding excessively, drink driving etc. Insurance companies don't make money by accepting every claim they receive. If they don't have to pay out, they won't, and they'll find any means to void the policy if they can. But ultimately to answer the question, yes, tint below the 35% legal tint will put you at risk of voiding your policy in the event of a crash. It's your decision whether you want to risk losing the cost of the policy and the cost of repairs, simply to have darker tint. You can try Exodus's suggestion, but there's no guarantee it will work. ROCK ON R~R |
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ExodusDesign
Post #12
yeh sorry rookie |
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Rookie ROX
Post #13
Haha actually I was meant to use that quote later on in my post and forgot it was up there |
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sly32
Post #14
QUOTE(MFC05 @ Sep 14 2008, 08:09 PM) [snapback]1282875259[/snapback] If you dont follow your insurance companies guidelines and down the track your inovled in a crash, the first thing the insurance companies is going to do is discover ways of not paying up, such as above. So make sure everyone read up on there policies and contents ! HAHAHA nar not true,. i crashed my 180sx, i hadnt listed alot of things (almost $10,000 in new mods) they asked me if i had modified the car further from what i had listed, i said yes and they then added that stuff to my insurance and up'd the value of the car, insurance companies are a rip but they dont try and just be ass holes all the times, my tint is dark as dno what it is but i like it, will get the front windows a tiny bit lighter for night time driving but i really dont think insurance will look at that to much, JV |
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Innocent_Commuter
Post #22
^^ill hijack it furthur and add to dwvr Question.. |
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Rookie ROX
Post #23
QUOTE((SIC)_ST8 @ Sep 15 2008, 01:04 PM) [snapback]1282877914[/snapback] just tell your insurance that you got t35 done. they cant tell the difference. I hope you don't tell your customers that. QUOTE(dwvr @ Sep 15 2008, 05:31 PM) [snapback]1282879635[/snapback] to all the tint pros readn this, is it true that utes can get t5 on the rear window due to being classed as light commercial? if so, pm me a qoute It would be dependent on the ute. Most 2x4 utes are classed as Light Commercial, in which yes you can block out the rear window. You can check the classification using Redbook. QUOTE(Innocent_Commuter @ Sep 15 2008, 06:06 PM) [snapback]1282879895[/snapback] Anyone familar with a rule that you can have legal tint on the front windows of a 4door.. but due to the fact its regod'/modified to a 2 seater, Can have T5 on the rear windows/windscreen? similar to commercial? If it's not Light Commercial, T35 all round is your only legal option. ROCK ON R~R |
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dwvr
Post #25
QUOTE(Rookie ROX @ Sep 15 2008, 07:12 PM) [snapback]1282880424[/snapback] It would be dependent on the ute. Most 2x4 utes are classed as Light Commercial, in which yes you can block out the rear window. You can check the classification using Redbook. ROCK ON R~R thanks rookie, but i looked on redbook and i cant find a vehical classification... am i looking in the right place? http://www.redbook.com.au/used-cars/detail...32%7c0&Cr=5 its a commodore ute... |
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hoeders
Post #30
QUOTE(ExodusDesign @ Sep 14 2008, 08:55 PM) [snapback]1282875568[/snapback] Almost every insurance company will void your insurance due to illegal items attached to the car, if they choose to investigate it thoroughly. its a risk you take. best way...... in an accident.... get your car towed to your house or friends house etc.. which you are allowed to do Once your insurance company has been notified, they want to see the vehicle and then let the insurance ask for the car to be brought in for inspection etc or an inspector come and see it. (meanwhile this is 4 days later and you have since removed the tint, and the massive sound system etc.) WIN yeah this is the way to go i know from passed experiences |
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Rookie ROX
Post #31
Now of course the assumption is that in the event of a crash, you actually have the ability to MAKE that call. |
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