Does Auto Insurance Cover Specialty Parts?

Auto insurance covers a wide range of things and if you name them on your policy, it may also cover your specialty auto parts. For those that live in the Brecksville, OH area, the agents with Ganley Family Insurance can help you find the policy that works best for you.

Auto policies cover all aspects of your car, including specialty parts. When it comes to specialty parts there are some different things you have to do however to make sure your parts are going to be covered. First off, if you make any modifications to your car that adjusts or changes the value of your car, you must let the insurance company know so that they can then adjust the overall value of your car and the amount of coverage that is on the car.

 A good example is if you have a car that is worth $25,000 and you put after market parts on it that increases the value of the car to $35,000. A basic policy would go by the age of the car, the make, and the model to select the coverage, you would need to then adjust the coverage to reflect the positive changes that the modifications made so that you can insure your car for $35,000 instead of $25,000 that the make and model suggests. Making sure that you list the value of the car, and you list the modifications you have made is the best way to be sure that your car specialty parts are going to be covered. Taking the time to list these changes is going to make the most comprehensive auto policy you can get.

For those that live in the Brecksville, OH area, the agents with Ganley Family Insurance can help you to find the policy that is right for you.