can insurance companies refuse to pay if window tint is darker than legal?

[invincible1]

hey guys im thinking of getting my car tinted(20%) which is darker than legally allowed. Is it true the insurance companies can refuse to pay incase of a crash?

[pablos8]

hey guys im thinking of getting my car tinted(20%) which is darker than legally allowed. Is it true the insurance companies can refuse to pay incase of a crash?

The reason they insure you is that your modifications are "legally roadworthy" which 20% tint would not be.. It's not common that they knock the claim back due to tint but I wouldn't put it past them, if you want to be on the safe side get 35%, if you're willing to risk it then go the 20%.

[markismaximus]

with something like too dark a tint I would be cautious. If the tint is excessively dark they could link it to the accident (you couldn't see the other car coming because your tint is too dark)

It seems stupid but I wouldn't put it past insurance companies

[dougie_504]

with something like too dark a tint I would be cautious. If the tint is excessively dark they could link it to the accident (you couldn't see the other car coming because your tint is too dark)

It seems stupid but I wouldn't put it past insurance companies

Exactly my thought. This is why you can't tint your front windscreen.

If you don't give way to somebody because there's a 1% chance you didn't see them through your tint then your 'insurance' company will bend you over. It's how the work.
Aside from the obvious stories I actually mentioned my previous car accident to one of my patients, who happened to work for one of the bigger insurance companies, and her honest testimony was that they make money by screwing their customers, not from the premiums.

[cyber_scriber]

The short answer is "yes, insurance companies can deny your claim if your tint is illegal".

Most insurance policies or Product Disclosure Statements will include a condition that your coverage is void if your car is not roadworthy or does not otherwise comply with the applicable laws and regulations.

Having an illegal tint is certainly a legitimate ground to deny a claim, particularly if there's any chance that the illegal tint contributed to the accident that is the subject of the claim.

IMO, it's not worth it to run with the cool crowd. Just get some dark sunnies

[bennjamin]

Any illegal modification or non-roadworthy part of your car CAN void any insurance.

[Zilli]

^ that guy

[tinymoon]

The short answer is "yes, insurance companies can deny your claim if your tint is illegal".

Most insurance policies or Product Disclosure Statements will include a condition that your coverage is void if your car is not roadworthy or does not otherwise comply with the applicable laws and regulations.

Having an illegal tint is certainly a legitimate ground to deny a claim, particularly if there's any chance that the illegal tint contributed to the accident that is the subject of the claim.

IMO, it's not worth it to run with the cool crowd. Just get some dark sunnies

In some of cases, insurance can deny to pay for your claim due to certain crash which is like side crash. My friend was told that because the illegal tint reduce your visibility .... blah blah so they deny the claim.
My last car, Subaru Impreza, i have to change the tint due to advice from insurance company. I just did only darkest legal on my FD1 for now.

[dougie_504]

Everybody should just stick to the darkest legal tint. It isn't really that cool.

[DCZ 18C]

how would they know if you got it done darker then legal unless you tell them..???
but they may be dodgy and refuse a claim if you do have it....

[duckey]

how would they know if you got it done darker then legal unless you tell them..???
but they may be dodgy and refuse a claim if you do have it....

insurance assessor.

[pablos8]

how would they know if you got it done darker then legal unless you tell them..???
but they may be dodgy and refuse a claim if you do have it....

they won't until you get into an accident and have to get the car assessed. then they'll see it all