Special Insurance

[azkruzn]

Do those of you who have flames,graphics and special paint jobs, did you have to get any type of special insurance coverage or is there any extra coverage available in case of an accident?? Thanks!!

[CREWZIN]

If you paid a lot more for any addition/modification to your PT and you want to have it covered in case of theft, vandalism or fire then you should contact your insurance company and ask about special coverage. Usually it's a very minor ($10 a year) to cover most things unless of course you've spent $10,000 on a new stereo system or 25K on a special paint job.

[azkruzn]

Thanks Crewzin, will get on the phone ASAP,out here in the west its only 7am so I will give the insurance company time to open up. I have Hartford through AARP so hopefully they will have something. Thank You again!!

[CREWZIN]

I have the same insurance for my PT and the wife's KIA. I thought highly of my Vette and went to American Collectors Insurance so I would be fully covered on what I thought would be a reasonable amount if anything happened to it. Even Hartford wanted too much for the Vette even though they have great prices for the other cars.

[azkruzn]

Hi Crewzin, just got off the phone with rep from Hartford, all is good customizing is included in our policy all I have to do is save receipt for the work being done and then God forbid anything happens I would be covered. Thanks again for the info,will be picking up the little darling around lunch time and will take pictures and try to post them.

[soonercruiser]

I'm ex-Military, and have insurance with USAA in San Antonio, TX. They told me no extra coverage required (for 12K in mods here). Just have lots of pictures, and receipts.

[Hooligan]

Originally Posted by soonercruiser

I'm ex-Military, and have insurance with USAA in San Antonio, TX. They told me no extra coverage required (for 12K in mods here). Just have lots of pictures, and receipts.

I also am ex military (10 years) and checked with them, you must be either active or retired not just ex to get a policy.

[soonercruiser]

Hooligan,
I'm "ex-" now!
But was active duty when I first started with USAA - probably late 1970s...

[Hooligan]

Just clarifying the statement. I would have saved a bunch if I would have been eligible for it.

[blucruzer]

Hope this isn't too far off topic but I read a newspaper article recently that said that if you have engine mods that improve performance over factory equipment (and haven't reported it to your insurer I assume,) that they can cancel your coverage. Of course they wouldn't know what you've got under the hood unless you had to file a claim, which would be a bad time to find your coverage cancelled. Has anyone had any experience with this? I'd hate to add an air intake or something that would do little to enhance performance and then find my coverage cancelled because of it just when I needed it most. But, my experience with home owners insurance suggests that if they can get out of paying a claim they will.