What Is Custom Parts And Equipment Coverage?

​These past few years, the popularity of adding bespoke equipment or sophisticated elements to a vehicle has been rising. People like customizing their automobiles to make them more unique or cool somehow. It is completely reasonable that some of the items might be useful and give an additional layer of security to your safety, while others are simply decorative.

In any event, this extra specialized equipment is not covered by conventional auto insurance coverage. As a result, the driver will need to get CPE (custom parts and equipment) insurance. However, it's vital to remember that CPE coverage isn't a comprehensive policy on which you can rely totally. This is just a feature that you may add to a pre-existing policy.

We've prepared this article to assist you in figuring out if you need CPE insurance or not to dispel all of these myths and worries regarding CPE.

What are Custom Parts and Equipment?
Non-standard elements or aftermarket additions on your vehicle are protected under custom parts and equipment coverage. The following are examples of aftermarket items:

• A stereophonic sound system
• System of navigation
• The wheels on your car may be customized
• a fresh coat of paint

Your vehicle's real cash worth would not include any custom components or modifications if you don't have supplementary coverage for custom items on your auto insurance.

What Isn’t Covered Under CPE Coverage?
Take a look at some of these changes that aren't usually covered by any standard or CPE policy:

• Underbody lights, nitrous oxide, and even black windshield tinting are all examples of modifications that have been ruled unlawful by the authorities.
• Modifications that go outside the policy's boundaries.
• The various types of snow plowing equipment.
• Kits that lift your car by more than four inches.
• Modifications made at home.

It is usually good to contact your insurance provider before purchasing a policy to clarify what is not covered. Each coverage has its own set of policies and rules.

Conclusion
One of the coverage options that a driver may purchase is custom parts and equipment coverage. This coverage should assist you in repairing or replacing the permanent additions to your vehicle. For example, you have special tires or lighting on your automobile and an accident happens. If these tires or lighting are damaged, your insurance carrier may cover the expense of repairing or replacing them if you have the proper policy.

At Priority Insurance LLC​, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (864) 297-9744 or Click Here to request a free quote. The coverage discussed in this article is not guaranteed. Please call our agents, we are happy to help you learn more about your plan and make sure you have the coverage you need.