Rear seat removal effect on Insurance

[Unktone]

Just as titled...

If I removed my rear seats, should I contact my insurance company and file as a 2 seater or what? does it matter? Can I get in trouble if I get in an accident and they're not i nthere (being if there are no rear passengers of course because there never will be)

Thanks!

[MrMook]

WTF? No. Taking the rear seats out of a GLI does not make it a 2 seater. Nobody will care.

[surefooted]

Just as titled...

If I removed my rear seats, should I contact my insurance company and file as a 2 seater or what? does it matter? Can I get in trouble if I get in an accident and they're not i nthere (being if there are no rear passengers of course because there never will be)

Thanks!

[Unktone]

WTF? No. Taking the rear seats out of a GLI does not make it a 2 seater. Nobody will care.

That's what I'm thinking. thanks for the response! I was just curious about accidents. I am going to call Progressive anonymously to ask - just in case- I am paranoid

[cryption]

Dude

You're fine. It will be so much faster with the weight savings.

Why are you taking out the seats ....

[VWFSIB6]

[MrMook]

That's what I'm thinking. thanks for the response! I was just curious about accidents. I am going to call Progressive anonymously to ask - just in case- I am paranoid

You might also want to ask about removing your spare, and not running floor mats.

[JettaGT8V80]

That's what I'm thinking. thanks for the response! I was just curious about accidents. I am going to call Progressive anonymously to ask - just in case- I am paranoid

this is a bad idea do not give them any reason to even suspect

just do it

[Unktone]

You're cool for trying to make me look the idiot. However, I am being cautious and responsible for keeping my insurance company up to speed with the state of my vehicle.

I removed them for transporting large, enterprise level infrastructure equipment.

Also, I just got off the phone with progressive, and you DO have to adjust your policy if you're removing the seats for commercial use, but for personal use you're in the clear ( for those of us who care).

[Unktone]

this is a bad idea do not give them any reason to even suspect

just do it

Thank you for an adult-esque response - done.

[surefooted]

You're cool for trying to make me look the idiot. However, I am being cautious and responsible for keeping my insurance company up to speed with the state of my vehicle.

I removed them for transporting large, enterprise level infrastructure equipment.

Also, I just got off the phone with progressive, and you DO have to adjust your policy if you're removing the seats for commercial use, but for personal use you're in the clear ( for those of us who care).

Duh. Any time your using your car for commercial purposes when stated as personal, you're supposed to inform your carrier. That's actually a significant change.

[10-25]

Dude

You're fine. It will be so much faster with the weight savings.

Why are you taking out the seats ....

Moron...

Ever think he might need the extra space? I take mine out in the winter so I don't have to wrestle with my BMX bike (I like warm grips)

[Unktone]

I would say that removing two out of four seats of a passenger vehicle is a significant change. That is just me though.

[surefooted]

I would say that removing two out of four seats of a passenger vehicle is a significant change. That is just me though.

Depends on the purpose. Why are you removing them? As you stated above for commercial purposes, then yes, that is significant. If you just wanted to remove weight and never used them, no.

[Unktone]

Depends on the purpose. Why are you removing them? As you stated above for commercial purposes, then yes, that is significant. If you just wanted to remove weight and never used them, no.

You are literally cutting in HALF one of the main components of a "passenger vehicle"; Seating. That is significant. True enough, not significant enough for my insurance company to care, yet, still significant.

[hipster.]

I never had my back seat in my MK2 golf. Just couldn't be bothered to put it back in once I took it out. Never used it for commercial use though. It was nice having a huge back area for odds and ends and random chore running.

[Unktone]

I never had my back seat in my MK2 golf. Just couldn't be bothered to put it back in once I took it out. Never used it for commercial use though. It was nice having a huge back area for odds and ends and random choir running.

Word, yes, it is very handy! thank you for the input.

[Unktone]

Moron...

Ever think he might need the extra space? I take mine out in the winter so I don't have to wrestle with my BMX bike (I like warm grips)

this

[surefooted]

You are literally cutting in HALF one of the main components of a "passenger vehicle"; Seating. That is significant. True enough, not significant enough for my insurance company to care, yet, still significant.

If that seat isn't used for seating in the first place does it really count?

[MrMook]

I really can't imagine what the concern is, or would be, if a seat was removed. If anything, it's safer for the driver and remaining passenger, since 3 less occupants would be in the car. And a rear seat is designed to be folded down anyway, so it's not like you're removing some sort of bulkhead that is required to be in place for carrying cargo.

It's a non-issue.

[McBanagon]

I would say that removing two out of four seats of a passenger vehicle is a significant change. That is just me though.

If this is the case, then I'm calling for a discount.

[Chris16vRocco]

You are literally cutting in HALF one of the main components of a "passenger vehicle"; Seating. That is significant. True enough, not significant enough for my insurance company to care, yet, still significant.

You're not literally cutting anything in half unless all the seats in your car are one gigantic subassembly.

[.LSinLV.]

commercial use coverage is substantially different from personal use coverage.

removal of the seats is anectdotal, and not the reason for insurance concern.

[Chapel]

so... you basically just tipped off your insurance company that perhaps your using your vehicle for business and not personal use... which could necessitate a significant increase in your insurance and require you to get a commercial plate...

or not... depends on your state I guess.

Let's put it this way: if you own a Suburban with the 3rd row seat (which is REMOVABLE) you don't need to tell your insurance when you're taking it out despite it removing 2 of the 8 seats.

[eburg_DUB]

hey im removing back seats on my bmw and putting in half cage oh and swapping an engine from m50 to s52. guess what insurance will not care its still 325 to them

[stascom]

Always ran my Mazda3 without rear seat because of my bike...

[Unktone]

so... you basically just tipped off your insurance company that perhaps your using your vehicle for business and not personal use... which could necessitate a significant increase in your insurance and require you to get a commercial plate...

or not... depends on your state I guess.

Let's put it this way: if you own a Suburban with the 3rd row seat (which is REMOVABLE) you don't need to tell your insurance when you're taking it out despite it removing 2 of the 8 seats.

No, I called from work, anonymously. They said it's totally fine.

[Unktone]

You're not literally cutting anything in half unless all the seats in your car are one gigantic subassembly.

You're right. To make my statement correct I would have to use the verb decreasing, and that would only make it correct by the physical segments of the seats, since there is technically seating for five.

Bringing your argument to light makes mine stronger. In stead of decreasing seating by 50%, it is decreasing seating by 60%.

[freedomgli]

Insurance actuaries factor in the number of designated seating positions, which is a figure established by the vehicle manufacturer. Removing the seat cushion doesn't change the fact that your Jetta has 5 designated seating positions.

[MrMook]

You're right. To make my statement correct I would have to use the verb decreasing, and that would only make it correct by the physical segments of the seats, since there is technically seating for five.

Bringing your argument to light makes mine stronger. In stead of decreasing seating by 50%, it is decreasing seating by 60%.

I still don't understand why anyone thinks reducing seating makes a car any more of a liability. It's effectively the same as not carrying any rear passengers in the first place.

Your insurance company says it doesn't matter, because it doesn't.

[Unktone]

Insurance actuaries factor in the number of designated seating positions, which is a figure established by the vehicle manufacturer. Removing the seat cushion doesn't change the fact that your Jetta has 5 designated seating positions.

Thanks for the info. Seems so in the US. I know that in Australia if you remove seats, Insurance companies actually consider it LESS of a liability because that means there will be less people in your automobile that can possibly make a claim in the event of an accident.

[Cousin Eddie]

Dodge Caravan sports car bisches!

Payin`ultra high exotic car insurance premiums `n shiz.

[Unktone]

I still don't understand why anyone thinks reducing seating makes a car any more of a liability. It's effectively the same as not carrying any rear passengers in the first place.

Your insurance company says it doesn't matter, because it doesn't.

I never said I thought it was more of a liability because I don't think it is more of a liability. Insurance companies can be fussy, and I like to be legitimate and compliant with their guidelines since they're the ones that are going to be paying for anything that happens to me or my vehicle while I am operating it. It would be better to ask questions than to assume and have to foot medical bills and be out a car (I have health insurance but still out a car).

[OldsPowered]

Dodge Caravan sports car bisches!

Payin`ultra high exotic car insurance premiums `n shiz.

Made me LOL.


In that case:

[Unktone]

Dodge Caravan sports car bisches!

Payin`ultra high exotic car insurance premiums `n shiz.

lol