Car Insurance for Modified Cars

​Standard car insurance is very important for all vehicle owners. These instruments allow us to have some peace of mind if something bad happens while we are behind the wheel. It also comes in handy in the event your car gets stolen. But this insurance only covers “standard” cars; what would happen if you did some modifications on your car?

Different cars have different coverages
There are many kinds of cars in the industry: traditional cars, luxury cars, classic cars, exotic or performance cars, smart cars, etc. The premium depends on the assessment value given by your insurer upon checking your car. 

What are modified cars?
Car modification is any input done to the car to improve its appearance or performance. So, even a simple paint job with different designs on the hood is considered a modification. Even the mount you installed for your phone! Below are some common car modifications:

• Paint jobs
• Chrome rims & bumpers
• Strut bars
• Swapping engine
• Lift kits
• Turbochargers 
• Stereo systems, subwoofers, media players
• Phone mount 

How do you ensure modified cars?
Car insurance is composed of two (3) major components. 

1. Bodily injury liability coverage
2. Personal injury and protection
3. Collision and Comprehensive Insurance

The first two are instruments for paying up damages to a person injured by your car. The third one is your protection in the event your car gets damaged. 

There are times when your standard car insurance policy wouldn’t cover the modifications you did for your car. These require insurers who handle special cases like these.  

For every modification, some policies require additional premiums. 

Always inform your insurer of the modification you did for your car. It is very helpful in cases when you need to file for claims. If you claimed for a modification (but you failed to declare it to your insurer), you might have a hard time justifying it to the insurance company.

Check every detail of the new agreement you are signing. Make sure everything is acceptable to you. Your modifications may have increased your premiums, but in the long run, they could save you from a lot of hassles.

At Black And Associates Insurance, we do our best in making sure 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 (509) 464-0058 or Click Here to request a free quote.