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Need auto insurance that will cover aftermarket parts
Hi everyone. My insurance expired in a month and I have a little delima. I have auto insurance with AAA and they are telling me that aftermarket parts are not covered. I even asked them that if I pay a higher premium can they cover a certain dollar amount of parts that I have purchased if I have receipts? I was told "it is up to the adjuster at the time of loss". This is complete BS to me. I have spoken to 3 different people over the phone and everyone has different answers so I'm ready to drop them and just go with a company that I am confident will cover my valuable possessions. So if any of you have insurance that you are for certain covers aftermarket parts and an adjustor that I can speak to, please let me know. I need coverage of about 20K in aftermarket parts right now as well as the value of the car. Thank you.
mercury will do it but they increase your rate. Last time i wanted my Volks covered they charge 1% of the value of your items per month. So i think for my 2k rims, i have to pay an extra 10 bucks a month to cover them..
Or you can shop around and find a broker that does stated value insurance. Pretty much, you tell them what you think your car is worth and then they give you a monthly price based on that. Not sure how they calculate it though.