Got hit from a guy running red light....
JK Enthusiast
Joined: Mar 2014
Posts: 137
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JK Enthusiast
Joined: May 2013
Posts: 100
Likes: 0
From: Seattle
JK Enthusiast
Joined: Oct 2011
Posts: 105
Likes: 0
From: Nebraska
I just checked several insurance companies for a new policy and every one of them said after market parts are not covered unless you add a rider for them. Most had a $4000 to $5000 limit on the add on parts.
Filing a law suit against your own insurance company if the policy specifically has a clause excluding coverage for the parts will get you no where except attorney's fees.
Filing a law suit against your own insurance company if the policy specifically has a clause excluding coverage for the parts will get you no where except attorney's fees.
JK Super Freak
Joined: Sep 2013
Posts: 1,637
Likes: 7
From: Mentor, OH
USAA:
Comprehensive
Covers damage caused by something other than another vehicle such as hail, theft, or collision with an animal. $5000 limit may apply to custom equipment and glass replacement may be subject to your deductible.
I do not have a separate rider for this. Comes standard. Of course, you have to be active duty, reserves, a veteran or the child of a veteran to join.
Comprehensive
Covers damage caused by something other than another vehicle such as hail, theft, or collision with an animal. $5000 limit may apply to custom equipment and glass replacement may be subject to your deductible.
I do not have a separate rider for this. Comes standard. Of course, you have to be active duty, reserves, a veteran or the child of a veteran to join.
JK Jedi
Joined: Oct 2010
Posts: 5,192
Likes: 3
From: REDONDO BEACH, CA
My agent told me "If it's on your jeep, it's covered." Simple as that. Also mentioned if I don't have a receipt, that if I can verify the MSRP value on a website, that's all they need to file the claim.
JK Freak
Joined: May 2013
Posts: 580
Likes: 11
From: Fort Worth, TX
I called my agent a couple of weeks ago, inquiring about the same thing. He told me that if I wasn't at fault, everything should be covered under the insurance carrier of the driver at fault. However, if I were at fault...he would only be able to cover the cost of the vehicle, unless he rewrote the policy. So I had to write up a list of everything that I have added on, along with prices and pics in order for him to rewrite it. Later he told me that a new Texas law prevented bumpers from being covered, since it was technically part of the frame...? It wasn't worded exactly like that...but it wasn't far off. At least I can sleep a little better at night!! Best of luck!
JK Freak
Joined: Feb 2011
Posts: 549
Likes: 0
From: magnolia nj
USAA:
Comprehensive
Covers damage caused by something other than another vehicle such as hail, theft, or collision with an animal. $5000 limit may apply to custom equipment and glass replacement may be subject to your deductible.
I do not have a separate rider for this. Comes standard. Of course, you have to be active duty, reserves, a veteran or the child of a veteran to join.
Comprehensive
Covers damage caused by something other than another vehicle such as hail, theft, or collision with an animal. $5000 limit may apply to custom equipment and glass replacement may be subject to your deductible.
I do not have a separate rider for this. Comes standard. Of course, you have to be active duty, reserves, a veteran or the child of a veteran to join.
JK Enthusiast
Joined: Jun 2012
Posts: 348
Likes: 3
From: Boise, Idaho