hydralover

iTrader: (15)

Does insurance cover aftermarket parts?

ack154

iTrader: (7)

Some do, some don't. If you are into modding at all, you should seriously talk to your company though. I know with Progressive their full coverage does cover $1000 in extra parts by default (of course you have to show proof if needed) and you can add as much as you want. It just jacks your premium up. I think I have $3000 total extra coverage (seats, suspension, stereo, etc). Just in case.

hydralover

iTrader: (15)

Ah, I see. I guess I'll chat with Triple A sometime soon... How much extra do you pay? And how would you go about showing proof? Show them the parts, or the receipt? Cause many people buy parts used...

ack154

iTrader: (7)

I think $2000 extra coverage adds something like $20-$30 every 6 months to my premium - so it's not too bad.

As for proof, I think you'd at least need some sort of dated receipt from the transaction. So if you have like an eBay or Paypal payment, that MIGHT work - but I think that's something you'd have to get your insurance company to specify ahead of time for you when you ask.

hydralover

iTrader: (15)

Hm, okay. I'll be sure to clarify that when I talk to them...

Thanks for the help, ack. We can stop threadjacking now

ack154

iTrader: (7)

There we go, no more thread jack. Plus this is probably helpful to someone else anyway.

Was a good question.

Checho

hmm I would ask Tina (Kiss_Kiss_Kill)she said something about getting her car insured for all performance parts on her car, she might be able to really help you out, but I BELIEVE you would have to switch your insurance from a "regular" automobile to a "Showroom" or "Show" car, which has different rates and exclusions.

EAmon

yeah they will cover them if u tell em about the mods, but at the same time they will charge you more for the extra coverage