[reeper]

How many of you guys are getting insurance for accessories and is it worth it? I've got about $9k in goodies not including engine mods.

I'm thinking about getting a quote just to see.

[oneredry]

I'm with State Farm, I just handed him my receipts and the price never went up.

[chozn4service]

I'm with State Farm as well and as long as it's attached it's covered. He knows I'm a car man, and I have pics as well as doc with item and price. No need to provide anything.


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[reeper]

Thanks guys, I'll just call and ask and see what he says.

[dpevans]

I have ran across that issue before. Save all your receipts and if you ever have a claim show them your receipts and somethings they will pay you for, some they will not.

[Eric SS]

I would be careful if I were you guys. A lot of companies used to cover all accessories but not so much anymore. My company recently went to a $1,000 max without an endorsement and this is the norm now. Some lower end insurance companies won't cover anything. Do not take your agents word for it either. Look at your policy. It will say in there if there is a limit. For example, my policy says:

4. The most we will pay for:
*****
b. Loss to additional equipment is a total of $1,000 for repair or replacement for any one loss, unless
indicated otherwise on the Declarations Page. Multiple items of additional equipment lost or
damaged in the same event are considered to be one loss;

----------------

Additional equipment means any furnishing or equipment that is permanently attached to your insured
car and common to its use, but is not the car's factory available furnishing or equipment. This includes, but
is not limited to:
1. Any video, electronic sound reproducing or transmitting equipment, and its component parts, media and
data, including but not limited to DVD, Game System or MP3 player;
2. Any painted, chrome or finished surface, whether refinished in whole or in part, of any automobile insured
under this Part where the claim exceeds the cost of duplicating the car's factory applied surface finish;
3. Tires, wheels, rims, spinners, grilles, louvers, side pipes, hood scoops or spoilers or any exterior surface,
body or exhaust equipment, or modification thereto, which exceeds the cost of repairing or replacing the
car's factory available equipment;
4. Any engine, transmission or suspension parts, or modification thereto, which exceeds the cost of repairing
or replacing the car's factory available equipment;
5. GPS navigational systems;
6. Special carpeting, insulation, wall paneling, furniture or bars;
7. Facilities for cooking or sleeping including enclosures or bathroom facilities;
8. Height-extending roofs; or
9. Custom murals, paintings or other decals or graphics.

[John20162SS]

I inquired about this to my State Farm agent regarding my Harley. He told me to make a copy of the receipts and drop the off. Took two weeks for them to tell me they can't do it.

[01pewterz28]

I just went with collector car insurance via Grundy. Agreed value $52k if I modify the car I just need to call them with my mods up the agreed value and pay the difference.

If your Camaro is NOT a daily driver do yourself a favor get Collector Car insurance it's agreed value vs. market value.

[Joe's_cool_1le]

Originally Posted by oneredry

I'm with State Farm, I just handed him my receipts and the price never went up.

Are you Jake? Jake from State Farm?

Ah... Never mind.. He's dead I think.

https://www.huzlers.com/jake-from-st...tment-bedroom/

So sorry. Couldn't help myself.
Now----