After market parts can add a lot of value and character to your car. But most people do not realize that they are likely not covered if you are involved in an accident. This is because most insurers will not include them unless you specifically add them to your auto insurance policy. The reason for this is that most policies only cover standard items on the car. Here is some information you should know if you are looking to add after market parts to your auto insurance plan.
If you need to add after market parts to your auto insurance plan, you should be sure to save the receipts for the cost of the item and how much it cost to install. This gives your insurer an idea as to the value of your part. This can be important as the insurance policy will typically only cover the value of an item you have added.
Next, be prepared to provide your insurance company with pictures of your car. Since your car is modified, they will need pictures. This will help them if your car is in an accident. They need to know what your modified car looked like prior to the car accident.
Lastly, be prepared for your car insurance to slightly increase. When you modify your car and add after market parts to your plan, you are increasing the value of your car. If your car is stolen or in an accident, the auto insurance company has to pay more money. As such, your auto insurance plan slightly increases.
Have you added after market parts to your car? Are you looking to have them included on your auto insurance policy? We can help. Call Alliance Insurance Services, serving the greater Arvada, CO area today to get started.
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