Does Auto Insurance Cover Customizations? - Temecula Insurance Agency - Carver for Auto, Home, Life & Health

Does Auto Insurance Cover Customizations?

Does Auto Insurance Cover Customizations?Customizing your car gives your car a bit of your own personality, and while it may look cool it’s important to know if these customizations are covered by your insurance.

Whether you want to use these customizations for purely aesthetic purposes or want to act like you are part of the Fast and Furious franchise, you have to know whether these customizations are covered under your auto insurance policy. These parts are expensive and if they get damaged in an accident, you want to have some reassurance knowing you will be reimbursed for these additions. Customization of Your Car Your new modified car with shiny rims, powerful engine, and custom body kits, may look great, but what happens in the case of an accident? Will your auto insurance cover and replace these parts? There are some auto insurance companies that are willing to include these parts into your policy, provided that you declare them beforehand. Optional modifications that were made to your vehicle need to be communicated to your insurance company so as to include them in your policy. Modifications that we find in the movies, ones that look like they were built for drag racing, are modifications that may raise some eyebrows at the insurance company. Why Do People Think Modified Car Insurance Is Difficult? The majority of car modifications come from enthusiasts that add simple things like a high-performing engine, elaborate paint job, and chrome finishes. Many of these customizations cost a lot of money, and many of these drivers are not willing to risk losing it all by reckless driving. If your modified car has low mileage, your insurers may look kindly towards you. Whether you modified your car for it to run better or just to look like your belong on the silver screen, you need the right auto insurance. Contact the insurance professionals at Carver Insurance Services, Inc. for all of your auto insurance needs in Murrieta, surrounding areas, and all of California.  

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