Do I need Special Equipment Coverage?

Did you know that those brand new custom wheels that you just bought for your car or truck may not be covered under your insurance policy without purchasing a special equipment endorsement? That’s right.

If you have put a lot of custom equipment into your vehicle, you will want to be sure that those enhancements are covered by your insurance company. Customized parts can be very expensive, so having coverage for them is very important. Your regular insurance will most likely not cover any customizations, so you will need Special Equipment Coverage to avoid paying out of pocket in case of a claim.

Special Equipment Coverage can help repair or replace your custom parts, such as rims or stereo systems, if they are stolen or damaged. This coverage is optional, so you will have to tell your agent if you want to add it to your policy.

If you have parts on your car that were not part of its original manufacturing, those are custom parts. Special equipment can enhance your car’s performance or appearance. Usually performance enhancements include stereo systems, TVs and Wi-Fi hotspots. Purely aesthetic equipment could include rims, spoilers and custom paint jobs.

If you install special equipment, document it on video and with photos. This can help you prove your car’s worth if you ever need to make a claim. Keep all of your receipts, as the insurance company may ask for them. Make sure your agent is aware of all of the enhancements you add as soon as you add them. Contact an Infinity agent at 1-800-INFINITY.

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