Subaru BRZ Owner Learns A Harsh Lesson About Modifying His Car

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The Subaru BRZ was made to be modified. Subaru even encouraged owners to do so, resulting in a range of upgrades such as supercharged engines and suspension enhancements. But there's one thing the Japanese automaker didn't warn consumers about beforehand: insurance. Although it's not an automaker's job to do so, performing aftermarket modifications can impact insurance claims. A young BRZ owner from Ontario, Canada has just learned that the hard way.

According to Global News, 21-year-old Modasir Ayobi leased a 2020 BRZ but was recently involved in an accident. Unfortunately, the sports coupe was declared a total loss and Ayobi was found to be at fault for causing the crash.

2017-2020 Subaru BRZ Three Quarter Front Left Side View Subaru
2017-2020 Subaru BRZ Three Quarter Rear Left Side View In Motion Subaru
2017-2020 Subaru BRZ Rim Subaru

The good news is he wasn't charged by police. The bad news is that his insurance company refused to pay up for the vehicle's value. Turns out they didn't have to. Ayobi didn't realize that modifications are not allowed under his policy. Unfortunately for him, he modified the exhaust system without reading the fine print. The $35,000 CAD claim was ultimately denied.

"If I knew modifications would affect insurance I wouldn't have done that," he said. The aftermarket exhaust system cost him $2,000 but he kept the original system in his basement knowing he'd have to reinstall it at the end of his four-year lease. Not only did this seemingly small modification end up costing him the value of the car, but the insurance company also canceled his policy.

2017-2020 Subaru BRZ Infotainment System Subaru
2017-2020 Subaru BRZ Driver Seat Subaru
2017-2020 Subaru BRZ Seat Cushion Detail Subaru
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What the insurance company failed to understand was that the upgraded (and probably louder) exhaust system doesn't alter the car's performance or handling. Therefore, it played no part in causing the accident. This blanket no modification policy may make life easier for the insurance company, but it's unfair to policyholders. Just because a car is modified doesn't necessarily mean its driving characteristics are altered. But there is a happy ending to Ayobi's ordeal.

The news outlet contacted the insurance company for its story and, likely to avoid bad publicity, the decision not to pay was reversed. This was probably a one-time thing so other drivers beware.

2017-2020 Subaru BRZ Rear Badge Subaru
2017-2020 Subaru BRZ Taillight Closeup Subaru
2017-2020 Subaru BRZ Headlight Closeup Subaru
Source Credits: Global News

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2017-2020 Subaru BRZ Three Quarter Front Left Side View
2017-2020 Subaru BRZ Infotainment System
2017-2020 Subaru BRZ Seat Cushion Detail
2017-2020 Subaru BRZ Rear Badge
2017-2020 Subaru BRZ Taillight Closeup
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