Does Auto Insurance Cover Modded Cars?

​Many drivers like customizing or modifying their cars with new equipment or accessories. They make these modifications for various purposes–  improving performance (supercharger), appeal (new paint job), or new entertainment systems. 

For some drivers, customizing cars is a hobby and a passion. But watch out because your traditional auto insurance may not cover car modifications. For this, you will need a modified car insurance policy. But different providers usually have different definitions of what is and is not modified. 

What Is A Modified Car Insurance Policy? 
Modified auto insurance is a policy specifically designed to cover the cost of changing factory parts of a vehicle. It is worth noting that this type of insurance is usually a replacement cost policy. This means that it will cover the value of the modified parts. You may have to work with an insurance appraiser to list and value the modified parts. 

The good thing about a modified car insurance policy is that while it is more costly than a standard policy, it usually offers better coverage. While it may vary from one provider to another, the following modification jobs may require supplemental insurance: 

• A custom paint job, murals, graphics, or decals
• Modified sound systems 
• Phone mount or Bluetooth connectivity
• Turbochargers or turbo boosters 
• Chrome rims or bumpers 
• Lift kits
• Strut/sway bars

If you are looking for a provider that will cover the cost of your car modification, look for an insurance company specializing in it. Insurers that offer coverage for the classic, vintage, collector, and performance cars will most likely offer modified car insurance. 

Without modified car insurance, if your vehicle gets damaged or totaled, you will not be reimbursed for the amount of damage. On the other hand, if you have a modified car insurance policy, you will be reimbursed based on the original manufacturer version of your car. 

Conclusion
Buying a car alone is already expensive, and not covering modified parts can make it even more costly if you get involved in an accident, or your vehicle gets stolen. 

At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744. You can also request a free quote by CLICKING HERE. 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!