Insurance
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JK Newbie
Joined: Dec 2009
Posts: 67
Likes: 0
From: Jackson, Mississippi
Insurance
Has anyone spoke to their insurance agent about whether (1) the cost of your mods are covered; (2) mods will void your coverage; (3) can you get coverage for off road use?
JK Freak
Joined: Feb 2010
Posts: 793
Likes: 1
From: Seattle, WA
Those things mostly depend on your insurance company. I know from experience with several different insurance companies that if aftermarket gear coverage is available you have to request it separately, and some companies directly with an agent. No real experience with offroad claims so I can't speak to it, but with all the money we pour into our vehicles the aftermarket coverage is well worth the small upcharge in my opinion.
Last edited by zeppo; Oct 14, 2010 at 01:36 AM.
JK Freak
Joined: Apr 2008
Posts: 551
Likes: 0
From: Albany NY
State Farm told me they dont have any additional coverage but if its perminately attached to the vehicle its covers as long as you can provide a receipt...not sure how much weight that holds if its not on paper though.
JK Enthusiast
Joined: Nov 2009
Posts: 380
Likes: 0
From: Fredericksburg, Virginia, United States
JK Newbie
Joined: Sep 2010
Posts: 40
Likes: 0
From: East Northport, NY
If you want coverage for mods go with geico, they actually ask you if you have modded your vehicle when you get a quote, my old cars ram air hood, front fachia, (sp?) spoiler, intake and exhaust were covered for no extra charge
JK Super Freak
Joined: Jul 2009
Posts: 1,457
Likes: 2
From: B.F.E, MI
Has anyone got a hemi mod added to their insurance coverage? Especially with a 6.1, I am a little nervous about the rates staying anywhere near the "station wagon" level.
Even without a ticket in over 20 years, I used to have to haggle with them to keep my Firebird's rates down, and that had a paltry 300 hp.
The Jeep is paid for, I figure if I wreck and live I will end up buying back the wreck and sticking the drive train in the next Wrangler.
Even without a ticket in over 20 years, I used to have to haggle with them to keep my Firebird's rates down, and that had a paltry 300 hp.
The Jeep is paid for, I figure if I wreck and live I will end up buying back the wreck and sticking the drive train in the next Wrangler.
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JK Enthusiast
Joined: Oct 2006
Posts: 182
Likes: 0
From: riverside, CA
My insurance said I had a certain $ in aftermarket parts covered but when it came time for them to cover an accident they said they didn't have a policy like that. Just make sure you have everything in writing (I did, but apparently they "didn't have that policy").
