Anyone know of automobile insurance that is Jeep/modified value friendly?
09-01-2013, 08:53 AM
#1
JK Junkie
Thread Starter
Anyone know of automobile insurance that is Jeep/modified value friendly?
Hello
I'd love to find some sort of insurance agency that let you give them an itemized list of all the money/modifications to your Jeep so in a worst case scenario I wouldn't just get The regular value of a similar Jeep with zero mods
Don't mind paying extra
Matthew
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I'd love to find some sort of insurance agency that let you give them an itemized list of all the money/modifications to your Jeep so in a worst case scenario I wouldn't just get The regular value of a similar Jeep with zero mods
Don't mind paying extra
Matthew
Sent from my iPad using JK-Forum
09-01-2013, 09:07 AM
#2
JK Jedi
I have State Farm and my agent told me if its mounted on my jeep it's covered. He simply said keep an itemized list handy, but the claim agent will take note of any aftermarket parts damaged in the event of an accident.
09-01-2013, 09:12 AM
#3
JK Junkie
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09-10-2013, 08:09 PM
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JK Newbie
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I am in the same boat right now with State Farm. I keep trying to get a firm written answer of what they will or will not cover in the event of a total loss.
A friend of mine has a high dollar Supra which he has insured with a company called Rally Insurance Group under their "Collector Car and Special Interest". I am probably going to call them and see what they have to say as I'd also like to know all of my aftermarket mods are protected.
A friend of mine has a high dollar Supra which he has insured with a company called Rally Insurance Group under their "Collector Car and Special Interest". I am probably going to call them and see what they have to say as I'd also like to know all of my aftermarket mods are protected.
09-11-2013, 02:44 AM
#7
JK Junkie
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09-11-2013, 02:51 AM
#8
JK Jedi Master
Everyone should read their policy carefully. Back in the initial days of painted artwork on vans and expensive stereos in anything, all of the insurance companies started modifying their policies to limit their exposure to claims on what was sometimes very expensive artwork and sound systems. They used generic language that limited the exposure to some small amount ($1000 was quite common) for ANY mods to the vehicle, as purchased. I SPECIFICALLY REMEMBER STATE FARM SENDING ME A LETTER WITH THIS CHANGED LANGUAGE. I would not trust what my agent says--read your policy, because his statements don't make a hill of beans when it comes to claim time.
FYI, I am now with USAA and they have been sending me letters that their current policy on mods, which is unlimited, will be changing to $5000 sometime in the future. In those letters they specifically say that they consider that a very generous amount, since most insurance companies limit it to $1000. Again, that's USAA's statement on mods about other insurance companies--virtually identical to my own experience back when I had State Farm way back in the 80s. USAA offers additional coverage for mods, and is encouraging everyone who has in excess of $5000 to get such coverage. I'm waiting until they actually modify the policy, so I have no idea how much it will cost. I've read that it's expensive.
FYI, I am now with USAA and they have been sending me letters that their current policy on mods, which is unlimited, will be changing to $5000 sometime in the future. In those letters they specifically say that they consider that a very generous amount, since most insurance companies limit it to $1000. Again, that's USAA's statement on mods about other insurance companies--virtually identical to my own experience back when I had State Farm way back in the 80s. USAA offers additional coverage for mods, and is encouraging everyone who has in excess of $5000 to get such coverage. I'm waiting until they actually modify the policy, so I have no idea how much it will cost. I've read that it's expensive.
09-11-2013, 03:09 AM
#9
JK Junkie
Thread Starter
Everyone should read their policy carefully. Back in the initial days of painted artwork on vans and expensive stereos in anything, all of the insurance companies started modifying their policies to limit their exposure to claims on what was sometimes very expensive artwork and sound systems. They used generic language that limited the exposure to some small amount ($1000 was quite common) for ANY mods to the vehicle, as purchased. I SPECIFICALLY REMEMBER STATE FARM SENDING ME A LETTER WITH THIS CHANGED LANGUAGE. I would not trust what my agent says--read your policy, because his statements don't make a hill of beans when it comes to claim time.
FYI, I am now with USAA and they have been sending me letters that their current policy on mods, which is unlimited, will be changing to $5000 sometime in the future. In those letters they specifically say that they consider that a very generous amount, since most insurance companies limit it to $1000. Again, that's USAA's statement on mods about other insurance companies--virtually identical to my own experience back when I had State Farm way back in the 80s. USAA offers additional coverage for mods, and is encouraging everyone who has in excess of $5000 to get such coverage. I'm waiting until they actually modify the policy, so I have no idea how much it will cost. I've read that it's expensive.
FYI, I am now with USAA and they have been sending me letters that their current policy on mods, which is unlimited, will be changing to $5000 sometime in the future. In those letters they specifically say that they consider that a very generous amount, since most insurance companies limit it to $1000. Again, that's USAA's statement on mods about other insurance companies--virtually identical to my own experience back when I had State Farm way back in the 80s. USAA offers additional coverage for mods, and is encouraging everyone who has in excess of $5000 to get such coverage. I'm waiting until they actually modify the policy, so I have no idea how much it will cost. I've read that it's expensive.
I have a small dilemma as I was considering the Ace Jeep accessory company's sponsorship because a big part of it is having a couple of big Ace Jeep" logos
I'm pretty sure they'd look at that as being paid
Matthew
09-11-2013, 03:23 AM
#10
JK Super Freak
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Everyone should read their policy carefully. Back in the initial days of painted artwork on vans and expensive stereos in anything, all of the insurance companies started modifying their policies to limit their exposure to claims on what was sometimes very expensive artwork and sound systems. They used generic language that limited the exposure to some small amount ($1000 was quite common) for ANY mods to the vehicle, as purchased. I SPECIFICALLY REMEMBER STATE FARM SENDING ME A LETTER WITH THIS CHANGED LANGUAGE. I would not trust what my agent says--read your policy, because his statements don't make a hill of beans when it comes to claim time.
FYI, I am now with USAA and they have been sending me letters that their current policy on mods, which is unlimited, will be changing to $5000 sometime in the future. In those letters they specifically say that they consider that a very generous amount, since most insurance companies limit it to $1000. Again, that's USAA's statement on mods about other insurance companies--virtually identical to my own experience back when I had State Farm way back in the 80s. USAA offers additional coverage for mods, and is encouraging everyone who has in excess of $5000 to get such coverage. I'm waiting until they actually modify the policy, so I have no idea how much it will cost. I've read that it's expensive.
FYI, I am now with USAA and they have been sending me letters that their current policy on mods, which is unlimited, will be changing to $5000 sometime in the future. In those letters they specifically say that they consider that a very generous amount, since most insurance companies limit it to $1000. Again, that's USAA's statement on mods about other insurance companies--virtually identical to my own experience back when I had State Farm way back in the 80s. USAA offers additional coverage for mods, and is encouraging everyone who has in excess of $5000 to get such coverage. I'm waiting until they actually modify the policy, so I have no idea how much it will cost. I've read that it's expensive.