When doing mods, is it a good idea to tell your insurance company that your installing them? I heard that if you let them know and something happens, then they will cover the after market parts as well. Is this true? I have heard it the other way around as well. Thanx for the info,

Ron

 

I'm not sure if it a good idea to tell that you are modifying the car and what you're doing to it. You might want to check with your agent to see how much coverage, if any, you get for non-OEM equipment. You don't want to add $5000 in stereo equipment and find out you only have $500 in coverage for it, especially if it gets stolen. Most companies do have a limit for non-OEM equipment.

 

There was a huge lawsuit awhile back that settled this try googling for info.


When my insurance payed for my totaled car I researched all this then and all I needed was my collision coverage that I already had and my receipts for all my parts. By the way, the law only covers things added in the last 2 years.

 

I would say keep all your receipts and when you do a claim with your insurance company, you won't have no hassles. Not trying to jinks you in no way or form. But my situation was that I curb both of my rims on my drive side trying to avoid a tire that blown off a 18 wheeler in front of me. The only direction I could go was left because there was another 18 wheeler to my right. It happen so fast and I react hitting the median to my left on the highway. I ended up curbing both my rims, bending my rear link and busting my front hub. The appraiser came out and I had my receipts and they of course paid for the rims and everything else. But you have to keep in mind there was a 500 dollars deductible on my contract. I don't know what yours is. But I think you'll be fine if you have receipts of everything you purchase.

 

Don’t worry about it. If aftermarket items (wheels) are bent in an acident, it will be easy to see that they are damaged. What you may want to do is keep a large folder with receipts for aftermarket items and labor.

 

progressive will cover up to $10k of mods

I was using met before and when I asked if they covered car mods, they said at the time of an accident, like if I totalled my car, if they found any performance oriented parts that increased the performance in any major way they might not cover some of the costs or repairs or whatever.

My car is going to have like $30k total wrapped up in it with parts and labor in a couple months and didn't want to screw around with the wishy-washy policy so I switched to progressive and added $10k of mods extra coverage which was basically $30 extra a month or so.

They didn't mention anything about there's only a 2 year window after putting on parts, but I guess if that is the case, in 2 years I'll cancel the extra coverage