Insuring your FI and upgrades

[sklimo]

Calling Geico today dammit

[11RApearl]

This is a good post. I was under the impression you would be SOL if something went wrong and the manufacture wouldnt cover the warranty.

[ftc~brz]

Originally Posted by 11RApearl

This is a good post. I was under the impression you would be SOL if something went wrong and the manufacture wouldnt cover the warranty.

you can insure anything.

you just need to find the right company, and be willing to pay the premiums

[11RApearl]

Originally Posted by ftc~brz

you can insure anything.

you just need to find the right company, and be willing to pay the premiums

Thats very good to know, once this car is paid off ill have plenty of cash to pay premiums with .

[SirBrass]

Originally Posted by Rougenite

USAA covers only 5k . Cant get anymore unless you go through big USAA billed through another company like how they do with motorcycle insurance(Use Progressive) but I am doing some follow up and getting more info from them.

Well the USAA company will NOT cover the vehicle if it is you DD. (American something or other) They will however do it if the twin is your show car. 5K is the limit through USAA .

I wonder if there's some separate insurance we could buy (not through USAA) that wouldn't be a separate auto policy but specifically to cover loss of the aftermarket upgrades. That way, main auto insurance doesn't come into it, but peace of mind is still there.

[whitefrs]

Originally Posted by husker741

I paid about 3 dollars more to insure my stuff through Geico.

How???


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[ramiram1984]

If they only insure to a certain amount, insure your most expensive part.

[Chen]

My insurance did. I have State Farm. When I got into an accident. It covered my coils and wheel.

[cdrazic93]

Originally Posted by ramiram1984

If they only insure to a certain amount, insure your most expensive part.

This^

[Rougenite]

That is actually why I got forwarded out to another company that services USAA. When I talked to them (about 10 minutes total time) I was told they wouldn't cover a DD. That company in particular insures things such as kit cars, or custom work, but only for things such as show cars. I am guessing they limit miles per year or something.

Originally Posted by SirBrass

I wonder if there's some separate insurance we could buy (not through USAA) that wouldn't be a separate auto policy but specifically to cover loss of the aftermarket upgrades. That way, main auto insurance doesn't come into it, but peace of mind is still there.

[Luckrider]

Originally Posted by gdrider77

I think some insurance companies do, some dont, thats why im asking. I have allstate. They dont apparently. When i first spoke to them, they just said keep your receipts and its all covered. this didnt sit right with me so i spoke to my agent and specifically said i have around 20k in upgrades on my car, is that covered. She laughed and said no. And they dont offer any kind of extra insurance...sid i need to go elsewhere if i want it covered.

I think this is an adjuster to adjuster variance. When my first Jeep was totaled, they paid retail price on the Bed Liner kit (that I got for free from the maker's President and installed myself) and OEM cost for the center console I added. Total payout ended up being over book value (and about $7,500 more than we paid for it AFTER the $500 deductible).

[TRD_07]

Originally Posted by Chen

My insurance did. I have State Farm. When I got into an accident. It covered my coils and wheel.

Would you happen to know if they told you about a limited coverage on mods/custom work and/or being a daily driver?