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Have ya ever wondered if the rims, stereo, nav, video monitors or similar equipment ya installed in your automobile were covered under your automobile insurance policy? Each insurer has its own guidelines on special equipment coverage; however, generally speaking, aftermarket installations are not covered unless ya request coverage and pay additional premium.
If your automotive came with special features which were stock and factory installed, most policies will provide coverage with an applicable deductible; however, exclusions may apply such as damages done by wear and tear, freezing, mechanical or electrical breakdown, or road damage to tires (does not apply when the damage results from total theft of the automotive), war or nuclear damages among others.
To be completely safe, the best thing to do is to ask a representative of the automobile insurance outfits ya choose to purchase coverage through or presently have, whether their policy includes coverage for the particular equipment in question.
If ya purchase and want to insure items such as rims, most carriers will want pictures along with receipts submitted and will charge additional premium to provide coverage in case of theft or damage from collisions. The same would apply for electronics installed aftermarket. Be aware that not all insurance providers will offer coverage for installed equipment; some may say they cannot insure it at all.
There are a large variety of insurance outfits out there, and they all have their own rates and guidelines. That is why it is important to compare rates from multiple insurance providers in order to find out which will offer the desired coverage for the lowest rate.
Among the most efficient ways to compare rates is to shop for automobile insurance on-line where 1 can complete 1 simple form and immediately get back the rates of a variety of leading outfits. Your quote comparison is free with no obligations, courtesy of Insurance-Integrity.com.
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