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Old 12-06-2013, 07:13 AM   #1
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Insurance question

Do folks typically let their insurance company know about mods? Lift, tires, etc? I know they asked when I bought it whether it was modded. Would hate to be denied coverage for failure to notify.

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Old 12-06-2013, 07:27 AM   #2
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Do folks typically let their insurance company know about mods? Lift, tires, etc? I know they asked when I bought it whether it was modded. Would hate to be denied coverage for failure to notify.
I don't think its as much that they would deny general coverage, but simply not cover the cost of all your mods. For example, if your Jeep were stolen, they would simply pay book value, and you'll be out the cost of the lift, tires, etc.

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Old 12-06-2013, 07:38 AM   #3
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I don't think its as much that they would deny general coverage, but simply not cover the cost of all yours mods. For example, if your Jeep were stolen, they would simply pay book value, and you'll be out the cost of the lift, tires, etc.
Was more concerned about liability profile of modded vehicle.
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Old 12-06-2013, 10:22 AM   #4
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In answer to your question, no!
But I do carry a extra policy on mine, that will cover off highway usage.

Many think that they are covered by there normal vehicle insurance coverage, but roll one off road, and then see if they will pay, good luck, because most will not.
It's a good idea to read your policy very carefully!!!!!!!!!
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Old 12-06-2013, 11:18 AM   #5
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My Harley is heavily modded and I got rear ended 2 yrs ago. I did not provide my insurance with all of the mods as I went, but I did furnish all receipts/documentation when the adjuster was looking at the damage. That was enough, all repairs and mods were covered. This might not be the same for your Jeep (bike and auto policies differ), so like Miser said, read your policy start to finish.
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Old 12-06-2013, 11:19 AM   #6
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I have GEICO and have purchased an additional rider to my policy. this rider covers additional modifications from stock. The actual modification isn't as relevant to them as is the cost, and you still need to keep your receipts for all the mods you do.

In discussion with them, it is their prerogative to repair the vehicle to stock, as that is what you have been paying insurance for. The additional $12k rider costs me like $40 a year or some small amount.

YMMV, but contact your agent as ask.

One important note: They did ask if I was part of a club or not. I said no. The reason is this (at least according to the agent): If you are a member of a club, and you plan on using your winch extensively, you need to get a commercial insurance policy. If you have it primarily for SELF recovery, then then the winch is covered by your policy if say you burn it out or it breaks. HOWEVER, you are NOT covered at all if you are winching someone else out and damage the winch OR if you do damage to other vehicles while winching. You are personally responsible for that. Again, YMMV, check with your agent.
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Old 12-06-2013, 12:03 PM   #7
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Originally Posted by loud pipes View Post
My Harley is heavily modded and I got rear ended 2 yrs ago. I did not provide my insurance with all of the mods as I went, but I did furnish all receipts/documentation when the adjuster was looking at the damage. That was enough, all repairs and mods were covered. This might not be the same for your Jeep (bike and auto policies differ), so like Miser said, read your policy start to finish.
Since you were rear ended, I assume (eventually) the other guy's insurance was the one that was paying, and of course, that would cover the actual cost of all your mods.
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Old 12-06-2013, 04:19 PM   #8
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My wife had a guy pull out in front of her n jeep was totaled. Was 100% other guys fault n their insurance did pay for mods i did. Only had bumper n winch so far at that point. Bumper was trashed but winch was ok. I had to buy it back from them but only like 130$.

Never thought about if my company would cover mods/ off road damage. Something to look into
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Old 12-06-2013, 04:25 PM   #9
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I know State Farm will not cover mods on SXS s, bet its the same on jeeps.
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Old 12-06-2013, 04:26 PM   #10
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Good info. Here is a question. How many people have actually read their insurance policy (not the dec sheet, the policy) and how many poeple understand what they have read?
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Old 12-06-2013, 05:24 PM   #11
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This is all good stuff, but how about this: someone with an aftermarket steel bumper gets in an accident that involves personal injury. Could a claim be made that injuries occurred or were made worse because of the steel and would insurance cover any such recovery?
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Old 12-06-2013, 05:59 PM   #12
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Quote:
Originally Posted by Morrepe View Post
This is all good stuff, but how about this: someone with an aftermarket steel bumper gets in an accident that involves personal injury. Could a claim be made that injuries occurred or were made worse because of the steel and would insurance cover any such recovery?


A 4,000 pound vehicle with a factory plastic coated steel bumper hits a pedestrian in a crosswalk @ 20 mph.

A 4,000 pound vehicle with a steel bumper hits a pedestrian in a crosswalk a@ 20 mph.

Which pedestrian is hurt worse?

The causative factor[s] are the prime factors in tort action. Secondary, tertiary, quaternary, etc. liability is virtually non-existent unless the mods are so egregious [a sharpened spike on the front or such] that potential injuries are foreseen and intended.

Stay away from Mad Max mods and you'll be fine.
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Old 12-06-2013, 06:44 PM   #13
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Originally Posted by 2five22 View Post

A 4,000 pound vehicle with a factory plastic coated steel bumper hits a pedestrian in a crosswalk @ 20 mph.

A 4,000 pound vehicle with a steel bumper hits a pedestrian in a crosswalk a@ 20 mph.

Which pedestrian is hurt worse?

The causative factor[s] are the prime factors in tort action. Secondary, tertiary, quaternary, etc. liability is virtually non-existent unless the mods are so egregious [a sharpened spike on the front or such] that potential injuries are foreseen and intended.

Stay away from Mad Max mods and you'll be fine.
Uh what?
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Old 12-06-2013, 08:23 PM   #14
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Quote:
Originally Posted by Morrepe View Post
Do folks typically let their insurance company know about mods? Lift, tires, etc? I know they asked when I bought it whether it was modded. Would hate to be denied coverage for failure to notify.
I sell property and casualty insurance for a living and the answer is...it depends on the insurance company. Some companies like Nationwide and Progressive will offer additional coverage for aftermarket modifications including suspension lifts. Others such as USAA will cover aftermarket equipment such as upgraded sound systems, suspensions, exhausts, etc up to $5000. Liberty Mutual will not insure a vehicle that has a suspension lift (springs), however they will insure one that has a budget boost. They also will insure other aftermarket modifications such as sound systems, paint protection, tint, exhaust, cold air intakes, etc. When Liberty Mutual runs a quote they will specifically ask "has the vehicle EVER had any aftermarket modifications or customization work done and would you like coverage for those modifications. If a Liberty Mutual customer neglects to tell the agent about the modifications, there is the possibility the claim will be rejected and they absolutely will non-renew the policy. Oh, and no HEMI conversions with Liberty Mutual either. The best advice I can give would be to ask your individual carrier. I am very familiar with what USAA and Liberty will (and won't) do because I have worked for them...and still work for one of them.
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Old 12-06-2013, 08:34 PM   #15
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Originally Posted by 2five22 View Post
A 4,000 pound vehicle with a factory plastic coated steel bumper hits a pedestrian in a crosswalk @ 20 mph. A 4,000 pound vehicle with a steel bumper hits a pedestrian in a crosswalk a@ 20 mph. Which pedestrian is hurt worse? The causative factor[s] are the prime factors in tort action. Secondary, tertiary, quaternary, etc. liability is virtually non-existent unless the mods are so egregious [a sharpened spike on the front or such] that potential injuries are foreseen and intended. Stay away from Mad Max mods and you'll be fine.
Wow. I must have overslept that day of law school.
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Old 12-06-2013, 08:39 PM   #16
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Quote:
Originally Posted by 2five22 View Post

A 4,000 pound vehicle with a factory plastic coated steel bumper hits a pedestrian in a crosswalk @ 20 mph.

A 4,000 pound vehicle with a steel bumper hits a pedestrian in a crosswalk a@ 20 mph.

Which pedestrian is hurt worse?

The causative factor[s] are the prime factors in tort action. Secondary, tertiary, quaternary, etc. liability is virtually non-existent unless the mods are so egregious [a sharpened spike on the front or such] that potential injuries are foreseen and intended.

Stay away from Mad Max mods and you'll be fine.
If you hit a pedestrian in a xwalk at 20mph you have bigger problems than whether your bumper is metal or plastic. In case you didn't realize there is a solid metal bar under that plastic cover.
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Old 12-06-2013, 08:57 PM   #17
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I had Hagerty insurance on one old Jeep I used to have . I sold it and bought another old Jeep . I called them to tell them I had purchased another Jeep and when on the phone , my wife asked them about coverage about while 4 wheeling .Well they flipped out , sent me a waiver saying I would never 4 wheel it and had me sign it , and I had to send them a picture of it also . After that and receiving several phone calls from them verifying the Jeep and that I would not wheel it , they cancelled my policy anyway ! I then attached the Jeep to my regular carrier . I am afraid to call and ask them about if they cover the mods and 4 wheeling .
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Old 12-07-2013, 11:03 AM   #18
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Quote:
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Since you were rear ended, I assume (eventually) the other guy's insurance was the one that was paying, and of course, that would cover the actual cost of all your mods.
My insurance paid for all repairs then has the burden of subrogating and collecting from the other guy's insurance. I never saw that side if the equation and it happened after my claim was resolved but I'd presume that is exactly what happened.
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Old 12-07-2013, 01:09 PM   #19
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If you hit a pedestrian in a xwalk at 20mph you have bigger problems than whether your bumper is metal or plastic. In case you didn't realize there is a solid metal bar under that plastic cover.

This is the right answer.

It is not what type, kind, or material that the bumper is made of, but what caused the collision.

As long as you don't go out and do something outrageous to your vehicles and drive them recklessly, it makes no difference if the bumper is the factory plastic coated steel, a powder coated steel one, or an aluminum bumper.

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