PSA: don't forget to update your insurance policy as you upgrade

[j.o.y.ride]

Dawned on me the other day that I hadn't updated my policy for the work done to the truck, and if it's totaled I will never get the parts or money back. You can add upgrades to your coverage if you want to insure your parts.

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[foxman350]

Not sure every insurance has this, what do you call that type of insurance?

 

[j.o.y.ride]

Not sure every insurance has this, what do you call that type of insurance?

Geico has it under Customizations.

 

[ACAD_Cowboy]

Interesting and good to know. I suppose a lot of this would then be tallied much like an agreed value rider. I like that they have a check box for custom mural paint, can't ever put too high a value on the laguna scene. I kid but still good to know if you had a vinyl wrap done, you could get something back if it got stuffed.

 

[arosen1997]

Dawned on me the other day that I hadn't updated my policy for the work done to the truck, and if it's totaled I will never get the parts or money back. You can add upgrades to your coverage if you want to insure your parts.

I actually had a conversation with my insurance agent about this before I put my lift and tires on. Apparently my insurance company just automatically covers them.

 

[ACAD_Cowboy]

I gather what he is getting at is documenting the changes. Imagine the fraud otherwise; what do you mean, of course I have the full teraflex system on there, to claim otherwise would be an affront to my mustache good sir and I demand payment forthwith!

 

[j.o.y.ride]

I gather what he is getting at is documenting the changes. Imagine the fraud otherwise; what do you mean, of course I have the full teraflex system on there, to claim otherwise would be an affront to my mustache good sir and I demand payment forthwith!

That, and I would not trust they 'just cover' the $15k of upgrades. They will need a premium to insure the added amount.

 

[rr11]

It will depend on your carrier, with my new wheels and tires ( Rubicon take offs) USAA suggested that I keep pictures of the truck. I am sure a more extensive upgrade will require documentation and payment.

 

[livewire_3020]

progressive has "aftermarket parts" coverage. you just select the dollar amount

 

[DirtySaylor]

Great thread. Thanks for the heads up! got 25k+ into my jeep, going to be adding a supercharger, exhaust, etc etc soon so I was wondering about this.

 

[Raton Pass]

I have full coverage but I will eventually put a ryder* on my policy when I am through modding.

Installed my own theft device.

Years ago alarm shops unknowingly employed car thiefs.
Most have GPS tracking now but still.

Until then I keep all my stock parts in case it is totalled.

That way I can strip all my un damaged mods or at least buy back the salvage from my insurance company to do so. Then part it out.

I still own a small body shop so your mileage may vary. Per say...


*ryder might be spelled differently now or verbiage may have changed.

Almost 65 and have not modded so hard for 3 decades, lol.

# Love my Jeep

 

[Raton Pass]

It will depend on your carrier, with my new wheels and tires ( Rubicon take offs) USAA suggested that I keep pictures of the truck. I am sure a more extensive upgrade will require documentation and payment.

IMO
Photocopy & photograph every expenditure.
Those before and after pics are perfect.
Many lesser insurers are like tits on a boar hog, worthless.

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