Will Auto Insurance Cover My Car’s Modifications?

From a custom paint job to adding a supercharger, modifications can complicate your car coverage. 

If you’re tempted to kit out your car with custom modification, you could face automobile insurance ramifications.

Modifying your vehicle can be a great way to personalize your vehicle, and even improve its performance. The downside to this, however, is that you run the risk of skyrocketing insurance rates!

Modifications a Standard Policy Won’t Cover
Vehicle modifications or customizations that are not made at the factory, as well as aftermarket parts, are typically excluded from standard policies. Always talk to your auto insurer before altering your car. If you were to make modifications to your vehicle, you would want to inform your insurance company if you want them adequately protected.

Risky Businesses
Auto insurance is based on risk, and car modifications increase the following risks:

• Accident – Modifications that alter the look or performance of your vehicle are often considered risky to auto insurers. From engine changes, sports seats, to spoilers, all of these can increase your insurance premium as you’ve potentially added more risk.
• Theft – Modifications such as phone kits, stereo systems, and performance updates also increase the chance that your car gets broken into or stolen.

Available Coverage
A standard policy may not cover your new vehicle, but there are a couple of options to get the right level of protection for your cool car:

• Supplement coverage – Many insurers offer endorsements that provide supplement coverage for modifications and aftermarket components.
• Collectible car insurance – If the insurer doesn’t offer this type of endorsement or the coverage limits are inadequate to protect your investment, you can seek coverage from a carrier that specializes in insuring classic automobiles.

If you have a modified vehicle or are thinking of adding a few cool updates to your car, call your insurer for coverage options! Skip the search of finding the best car insurance for you – contact the local professionals directly! Call the insurers at All Nevada Insurance to get started on your auto insurance policy today