Insurance and the Modded Jeep Questions??
I got to thinking that I bought and insured a stock 2013 Jeep J/K. I have not read my policy yet which I know is bad on me but I added about 5K in mods over the last year and wonder about the technicalities of this. I dont want to call my agent yet and wonder if anyone here is an insurance whiz.
A few questions, are my mods covered? Say the Jeep was totaled in a crash or God forbid it burnt up, would I be covered? To what point? I have full coverage on it with a deductable. I have all reciepts of mods and pictures but does modding change your coverage?
Do insurance companies charge you more for modding?
If I had an at fault accident would the mods figure in to denying coverage? I.E. I have a steel front bumper that would do much more damage than the powder puff plastic one if I hit something?
I have other questions but I figured I would put this out there for guys and girls that may know the answers without me getting my reading glasses out and trying to stay awake reading.
2013 2 door Commando Green Sport, 2.5 Teraflex lift, Rancho 9000XL shocks, Teraflex Monster Track Bar, Teraflex Exhaust Spacers, Rancho Drop brackets, Northridge bolt kit, JKS Quicker Discos, 315-70R-17 Duratracs on Level 8 Strike 5's. ACE rock sliders, Rugged Ridge XHD front bumper w/storage ends and RR synthetic line winch. Cobra 75 CB and 4' firestick, LoD rear linked full width bumper.