Does your baby look like this? Instead of a Jeep, maybe you have a truck with a lift kit and custom paint job. Whatever you drive, be sure you are properly covered for all of your upgrades.
Most insurance policies only provide a limited amount of coverage for upgrades and you typically need to have comprehensive and collision coverage, too. Think of it like this – the way your vehicle was equipped when it rolled out of the factory is how it is insured. All the extras need to be disclosed and added to your policy.
The Jeep above belongs to a Deeley client and he is just getting started on making it his own! You can see the accessory light bar, wheels and tires. What you can’t see in the photo is what he added underneath the Jeep – suspension and skid plates, all painted to match the color of his Jeep. New front and rear bumpers, spare tire kit, and a winch are just some of the extras yet to be added. In the eyes of the insurance company, all of this is custom equipment. They will gladly cover it as long as they know it is there!
So what do you need to do? Great question! As soon as you start buying and adding new items, let us know. We will talk about the cost of parts and labor with you and how it affects your policy. You will need to keep all of the receipts for your extras, just in case you ever have a claim. Already have equipment added to your ride? It’s not too late, the process is the same, just give us a call.