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Old 01-07-2007, 05:43 AM   #1
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Default THE INSURANCE COMPANY

hey everyone, im getting my headlights retrofitted and i was just wondering what to do with the insurance company about my new upgrade. its a pretty expensive thing to do and i would like it to be kept on record so i get the money for them if somebody hits me so does anyone know if its possibel to add them to the insurance policy? im not sure who my insurance provider is ill check tomorrow but anyone been through this before?
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Old 01-07-2007, 07:16 AM   #2
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if your insurance covers custom accessories and such, all you have to do is add in the amount they are worth and the amount will be added to the total you will be given if the car is totalled IIRC.

Have you called your insurance company to ask them what you should do? It can't hurt, because every insurance company is different.
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Old 01-07-2007, 08:56 AM   #3
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Tracy (SSE14U34Me) will probably be the expert on this, but in my experience, a normal policy doesn't cover mods. Call your agent, tho, to verify and see what can be done.
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Old 01-07-2007, 12:43 PM   #4
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FWIW, Esurance covers mods, though I don't have enough to really put on there.
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Old 01-07-2007, 12:55 PM   #5
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Save your receipts and documentation.
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Old 01-07-2007, 04:11 PM   #6
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Quote:
Originally Posted by willwren
Save your receipts and documentation.
x2. thats all I needed to get $1000 more for my car when I had $4000 worth of receipts in the last 2 years. That was only to raise the value of my car to keep it from being totalled however.



It will make no difference with headlights since if you get in a wreck and they are paying for it, they will always go "new" anyway.
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Old 01-07-2007, 06:06 PM   #7
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Quote:
Originally Posted by sandrock
FWIW, Esurance covers mods, though I don't have enough to really put on there.
Really?! I have Esurance.
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Old 01-08-2007, 01:48 AM   #8
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i had a chrysler that i did quite a bit of upgrading to. i wanted to make sure i was covered and my insurance company asked me to get an appraisal of the car with the mods to show the value.
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Old 01-08-2007, 09:54 PM   #9
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Quote:
Originally Posted by willwren
Save your receipts and documentation.
That is all you need to do. All records need to be precise. Most insurance companies will keep that info in mind should a claim arise. They even alot for tire wear if you can show that the tires were recently purchased, etc. I've gotten extra from most of Jeff'* many crashes on mods
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