Things You Should Know About Modified Car Insurance

​Suppose you modify your car by equipping it with a turbo, adding other major parts, or even a custom paint job. In that case, your standard car insurance likely won’t cover all these modifications. Regarding vehicle customization or modifications, anything aftermarket or not made in the factory isn’t typically covered under your standard car insurance policy.

Modifications to a vehicle range from aesthetic purposes to upgrades that increase the car’s performance. Any modification that involves custom parts can be considered modified by your insurance provider.

How Can You Customize Your Vehicle?
The options you have are plenty when modifying your vehicle. You can choose from various modifications, ranging from purely aesthetic purposes to performance modifications. Some car owners like to upgrade their cars to increase power, and some modify them for safety.

Here are some common modifications that can be made to your vehicle.

• Custom paint job
• Roof rack
• Aftermarket rims
• Enhanced suspension
• Electronics (radio, infotainment system, etc.)
• Turbochargers

What is Different About Modified Car Insurance?
Aside from the regular car insurance you get from insurance providers, modified car insurance is also offered for upgraded cars. The name of this insurance policy explains the coverage of this policy, which is insurance for all kinds of modified parts in your car.

While your car insurance policy can cover the vehicle itself and all its stock parts, modified car insurance can cover the upgrade parts you added to your vehicle. In case of an accident, it can financially cover the costs for your aftermarket components.

Coverage for Modified Parts
In an accident, you need one of the coverages listed below to become fully reimbursed for both your vehicle and the modified parts.

1. Classic Car Insurance
   This insurance policy can be obtained through providers specializing in rare classic vehicles considered collectibles. This may include coverage for custom and modified cars.
2. Supplemental Coverage
   This coverage can give additional coverage to your standard car policy. This can cover the value and costs of your aftermarket parts and other upgraded features to a certain extent.

Conclusion
For car enthusiasts, it can be an enjoyable experience to be able to customize and modify cars. The number of options that you get from aftermarket parts makes the possibilities for your car endless. If you plan to customize your car, it’s great to pair such customizations with modified car insurance to ensure that both your car and its upgrades are protected.

At AllRisk Auto Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (360) 693-4044 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!