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Customizing Your Vehicle

Customize Your Automobile Policy Too

If you’re one of those who enjoys getting more out of his or her car than just getting to your destination, you should be aware that any customizing that you do to your vehicle impacts your auto policy.  Before you add custom paint and bodywork, it’s best that you customize your auto policy.

Custom Parts and Equipment Coverage

A basic auto policy’s collision or comprehensive policy provides insurance only for the original equipment included by the manufacturer. If your vehicle has special equipment or permanently installed custom parts that alter its appearance or performance, optional custom parts and equipment coverage may be for you.

Special equipment includes the following:

  • Customized paint or decals
  • Customized wheels, spoilers, suspensions or performance-related equipment
  • Stereo or television equipment
  • Running boards, roll bars or brush bars
  • Undercarriage lighting
  • Bed liners, camper shells and trailer hitches

Your Vehicle's Standard Book Value

Within the limits that you select in your policy, custom parts and equipment coverage reimburses you for the actual cash value, the declared value or the actual cost to repair—whichever is lowest.

Keep in mind that every car has a standard book value which is used to calculate the payout in the event of a total loss. You should know that insurance payments reflect what a car would be worth at the time of the loss, not what was paid for it, so the cost for modifications may be difficult to recoup in the event of a total loss.

The Bottom Line

Before you purchase those specialty rims or customize your grille, we can help you determine your best coverage options to keep your customized ride covered.

To make sure you have the right coverage for your customized vehicle.

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