FAQs About Modified Cars and Accidents
Americans love modifying their vehicles, to add some creature comforts, build a track day toy, explore your area’s off-road trails or just have something that looks sleek and cool to chill on the road.
At Service King Ingram in San Antonio, TX, we want to help you to come up with some of the questions about your modified vehicle and what happens when you get into an accident.
What happens when your modified vehicle is involved in a crash? Is the damage covered through your insurance? How will the inclusion of performance and appearance parts affect the collision repair? Can modifications truly void your car insurance? Here is what you will need to know to make certain that the damage is covered, and the auto body shop can perform the repairs promptly.
A standard car insurance policy will only cover damage to factory components or their comparable replacements. Even if you have a fairly simple upgrade such as a new stereo head unit, you might need to pay part or all the repair or replacement cost out of your pocket. In many cases, the insurance company could cover part of the replacement cost up to the value of the original OE part.
Modified vehicle plans will cover a specified amount of damage for customized parts above the overall price of the vehicle. There’s even expert insurance for mobile A/V equipment, so rest assured that you’re covered if someone tries to steal your aftermarket stereo system.
Companies that modify new vehicles are often named as the carmaker, so you are insuring the car as it came out of that body shop. For example, if you own a Roush Mustang, you are insuring it as a Roush, including all of the modifications that are covered. However, if you purchase an upgrade from Roush and install it, those parts won’t be covered by your insurance.
Collector car insurance will cover modified parts up to a certain amount in most cases. This flexibility is possible to the standard use of non-OEM parts that can dramatically improve performance and drivability, ranging from electronic ignitions all the way to crate engines. Be certain to read all of the fine print and ascertain that you have sufficient coverage for both the parts and labor if you’re in a collision. You might have performed the restoration yourself, but you likely don’t want to spend the time fixing everything all over following a collision.
Service King Ingram in San Antonio, TX 78251
Sources: Wikipedia and AOL
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