When it comes to your vehicle, a “modification” is anything that alters its look or the way it drives. From purely cosmetic to performance-enhancing, vehicle modifications can include things like aftermarket window tinting, special exhaust systems or mufflers, lifted or lowered suspensions, custom paintjobs and banners, spoilers and skirt kits, wheelchair lifts and hand controls, nitrous oxide, low-profile tires, and under-body lighting. Whatever you’re planning to do, it’s important to learn how it could impact your car insurance.
If you’re thinking about modifying your vehicle — or if you’re thinking about buying a vehicle that was modified in any way after it left the manufacturer — be sure to reach out to your licensed insurance broker ahead of time to find out if or how your insurance could change.
Your insurer will likely consider these five questions when determining how a modification might impact your coverage or premium:
Keep in mind that all modifications should be installed or inspected by a qualified professional to ensure your vehicle’s safety standards are up to snuff. The rules for vehicle modifications vary by insurer, so be sure to ask your licensed broker before installing any type of modification — and once the job is done, notify your broker so they can make sure you’ll be covered in the event of an accident.
Originally posted on www.economical.com