☰ ˟
Contact Us Today / 412.531.3111
Logo

What type of coverage do you need?
Home > Blog > Customized Vehicle Coverage
SATURDAY, FEBRUARY 1, 2020

Customized Vehicle Coverage

If you’re one of those people who enjoys getting more out of his or her car than just getting to your destination, you should be aware that any customizing that you do to your vehicle impacts your auto policy, too.

The Basics

An automobile policy is designed to provide you a level of protection against property, liability and medical costs if you are involved in an accident. Optional custom parts and equipment coverage ensures that your customized details are covered too.

Custom Parts and Equipment Coverage

A basic auto policy’s collision or comprehensive policy provides insurance only for the original equipment included by the manufacturer. If your vehicle has special equipment or permanently installed custom parts that alter its appearance or performance, optional custom parts and equipment coverage may be for you. Special equipment includes the following:

·         Customized paint or decals

·         Customized wheels, spoilers, suspensions or performance-related equipment

·         Stereo or television equipment

·         Running boards, roll bars or brush bars

·         Undercarriage lighting

·         Bed liners, camper shells and trailer hitches

Within the limits that you select in your policy, custom parts and equipment coverage reimburses you for the actual cash value, the declared value or the actual cost to repair, whichever is lowest.

You should know that insurance payments reflect what a car would be worth at the time of the loss, not what was paid for it, so the cost for modifications may be difficult to recoup in the event of a total loss.

Top Ways to Save On Your Auto Premium:

     Consider raising your deductible.

     Keep up your good driving record.

      Drive less to qualify for a low-mileage discount.

    Drive a car with safety features such as anti-lock brakes and airbags.

    Install an anti-theft device.

    Ask about our multi-policy discounts.

Posted 12:49 PM

Tags: auto insurance, custom car
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2020
  • 2019

  • auto insurance(10)
  • safety(6)
  • homeowners(6)
  • discounts(3)
  • saving(2)
  • car insurance(2)
  • custom car(1)
  • uber(1)
  • discount(1)
  • student(1)
  • pittsburgh auto insurance(1)
  • breakdown(1)
  • homeowners swimming pool(1)
  • lightning(1)
  • pittsburgh(1)
  • tnc(1)
  • ride sharing(1)
  • pittsburgh auto claims(1)
  • underground(1)
  • full tort(1)
  • trampoline(1)
  • personal property(1)
  • claims(1)
  • limited tort(1)
  • pittsburgh car insurance(1)
  • lyft(1)
  • limits(1)
  • utility lines(1)
  • teen driving tips(1)
  • lawnmower(1)
  • umbrella insurance(1)
  • auto insurance pittsburgh(1)
  • teen driver(1)

View Mobile Version

Our Customer Feedback

Read More

Our latest blogs

  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
James L. Smith Insurance
304 Cochran Road
Pittsburgh, PA 15228
James L. Smith Insurance Agency is a professional organization dedicated; to PROVIDE the best possible personal service to our Clients to keep them as long-term satisfied customers. To MAINTAIN a professional and efficient work environment which helps each person to achieve his or her personal goals. To DEAL with the public fairly and honestly and to be a respected member of the community.
We're here for you
Home Page/ About Us/ Contact Us/ Our Blog/ Latest News/ Refer A Friend
Quick Help Links
Quote Forms/ Service Forms/ File a Claim/ Make a Payment/ Insurance Glossary/ FAQs
Icon Icon
Icon Icon Icon
Social Icon Social Icon Social Icon
© Copyright. All rights reserved. Powered by Insurance Website Builder