Customizing your vehicle allows you to make it an extension of your personality. It requires a lot of work and aftermarket parts to get your car into a condition that you can enjoy to the fullest. However, if your car gets damaged or stolen, your insurance typically won’t cover the replacement costs of your modifications. At U.P. Insurance Agency Inc. in Negaunee, MI, we can help you get your customized vehicle covered against calamity. Here’s how it works.
Why Insurance Won’t Cover Custom Work or Modifications
As a general rule, a standard auto insurance policy only covers the original parts of the vehicle. Anything you added to the car that isn’t standard for the car is not considered original. In the event of an accident, the insurer only replaces the stock parts. You would have to pay out-of-pocket for any modifications you make, including custom seats, exhaust pipes, or other modifications.
Getting Your Custom Work and Mods Insured
You can get extra insurance designed to cover the work you’ve done to your vehicle. A policy that covers customizations and modifications is available from major and specialty insurance companies. It’s worth noting that this type of insurance may require you to provide detailed information about the work you’ve done. The effort is worth it because it protects your investment and makes it easier to restore your vehicle to your preferred configuration.
Make Sure Your Hard Work is Protected Against Damage
At U.P. Insurance Agency Inc. in Negaunee, MI, we understand the effort that goes into customizing a vehicle. That’s why we’re here to help you get an insurance policy that covers the non-stock parts you’ve installed. Give us a call today to learn more about coverage for your customized vehicle.
