{"id":6058,"date":"2016-08-25T09:00:43","date_gmt":"2016-08-25T16:00:43","guid":{"rendered":"https:\/\/allnevadainsurance.com\/?p=6058"},"modified":"2016-07-07T13:08:37","modified_gmt":"2016-07-07T20:08:37","slug":"car-modifications-auto-insurance-las-vegas-nv","status":"publish","type":"post","link":"https:\/\/www.allnevadainsurance.com\/blog\/car-modifications-auto-insurance-las-vegas-nv\/","title":{"rendered":"Will Auto Insurance Cover My Car\u2019s Modifications?"},"content":{"rendered":"<h3><strong>From a custom paint job to adding a supercharger, modifications can complicate your car coverage.<\/strong><strong>\u00a0<\/strong><\/h3>\n<p>If you\u2019re tempted to kit out your car with custom modification, you could face automobile insurance ramifications.<\/p>\n<p>Modifying your vehicle can be a great way to personalize your vehicle, and even improve its performance. The downside to this, however, is that you run the risk of skyrocketing insurance rates!<\/p>\n<p><strong>Modifications a Standard Policy Won\u2019t Cover<br \/>\n<\/strong>Vehicle modifications or customizations that are not made at the factory, as well as aftermarket parts, are typically excluded from standard policies. Always talk to your auto insurer before altering your car. If you were to make modifications to your vehicle, you would want to inform your insurance company if you want them adequately protected.<\/p>\n<p><strong>Risky Businesses<br \/>\n<\/strong>Auto insurance is based on risk, and car modifications increase the following risks:<\/p>\n<ul>\n<li><strong>Accident\u00a0<\/strong>\u2013 Modifications that alter the look or performance of your vehicle are often considered risky to auto insurers. From engine changes, sports seats, to spoilers, all of these can increase your insurance premium as you&#8217;ve potentially added more risk.<\/li>\n<li><strong>Theft\u00a0<\/strong>\u2013 Modifications such as phone kits, stereo systems, and performance updates also increase the chance that your car gets broken into or stolen.<\/li>\n<\/ul>\n<p><strong>Available Coverage<br \/>\n<\/strong>A standard policy may not cover your new vehicle, but there are a couple of options to get the right level of protection for your cool car:<\/p>\n<ul>\n<li><strong>Supplement coverage<\/strong> \u2013 Many insurers offer endorsements that provide supplement coverage for modifications and aftermarket components.<\/li>\n<li><strong>Collectible car insurance<\/strong> \u2013 If the insurer doesn\u2019t offer this type of endorsement or the coverage limits are inadequate to protect your investment, you can seek coverage from a carrier that specializes in insuring classic automobiles.<\/li>\n<\/ul>\n<p>If you have a modified vehicle or are thinking of adding a few cool updates to your car, call your insurer for coverage options! Skip the search of finding the best\u00a0<a href=\"https:\/\/allnevadainsurance.com\/get-a-quote\/\">car insurance<\/a> for you \u2013 contact the local professionals directly!\u00a0<a href=\"https:\/\/allnevadainsurance.com\/locations\/\">Call<\/a>\u00a0the insurers at All Nevada Insurance to get started on your auto insurance policy today<\/p>\n","protected":false},"excerpt":{"rendered":"<p>From a custom paint job to adding a supercharger, modifications can complicate your car coverage.\u00a0 If you\u2019re tempted to kit out your car with custom modification, you could face automobile insurance ramifications. Modifying your vehicle can be a great way to personalize your vehicle, and even improve its performance. The downside to this, however, is [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6065,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[88,98,1195],"tags":[90,99,100,1220,122,96,97],"class_list":["post-6058","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archives","category-auto-insurance","category-lifestyle","tag-all-nevada-insurance","tag-auto-insurance-2","tag-car-insurance","tag-car-modifications-auto-insurance-las-vegas-nv","tag-coverage","tag-las-vegas","tag-nevada"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/posts\/6058","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=6058"}],"version-history":[{"count":0,"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/posts\/6058\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/media\/6065"}],"wp:attachment":[{"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=6058"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=6058"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.allnevadainsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=6058"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}