How far will insurance cover your modified JeeP?

NFRs2000NYC said:

It's your vehicle, I could care less what you do.

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NFRs2000NYC said:

Im posting for others to learn because they may not know and get told the wrong information.

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NFRs2000NYC said:

My personal experience with modified vehicles, including all my friends that had different companies, is that aftermarket stuff is never covered.

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NFRs2000NYC said:

Not their expensive HRE wheels, not their turbo kits, coilovers.

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NFRs2000NYC said:

If your insurance covers your parts, great, my posts aren't meant for you.

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Irish JK said:

Perfect.



Which is exactly what you are doing.



Well your experience must be all encompassing so we should all take this as fact.



Again, not always true, so do not try and tell everyone that it will not happen.



So, what are your posts for then?

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NFRs2000NYC said:

My posts are meant for those that think they are rolling around with coverage when in reality, they don't. Most also don't understand the difference between aftermarket coverage and something that LOOKS like you got paid for an aftermarket part, because the fact is, most OEM retail prices are often higher than aftermarket. The retail price of a rubicon wheel is MORE than the retail price of a slab, which is why insurance would pay for a slab without blinking, but they are NOT covering an aftermarket part....there is a big difference. Same goes for a 10A hood vs a Rugged Ridge hood...or an Evo bumper vs a 10A bumper...the OEM costs more money. You really believe that StateFarm is going to cover Moby for full value if Eddie was paying to insure a 2008 Rubicon? If this is what you believe there is no point in discussing this further.

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Irish JK said:

The only part I agree with is this is no longer with discussing with you. You are talking theoretical, I am talking actual direct experience to these exact type of vehicles with one of these exact insurers.

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NFRs2000NYC said:

So it should be extremely simple for you to post Statefarm's customized vehicle policy

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Aspenkid said:

The appraisal company called today. They have reviewed my add ons/upgrades and are sending the results back to the insurance company. I should have an answer by tomorrow.

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Aspenkid said:

The appraisal company called today. They have reviewed my add ons/upgrades and are sending the results back to the insurance company. I should have an answer by tomorrow.

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Aspenkid said:

The appraisal company called today. They have reviewed my add ons/upgrades and are sending the results back to the insurance company. I should have an answer by tomorrow.

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Aspenkid said:

Well, its finally finalized. I picked up the check from them today. I feel VERY fortunate to have gotten what I did from them. This is how the rest of the story played out.

The 60+ pages of receipts went over to the third party appraisal service and they called me to go over them. At first he just wanted to give me a few thousand dollars for "some" of the modifications that I had done. They had, for the most part been done in the last year and a half and so that played into it in my favor. As I began to educate him on the reasons and purposes of the modifications, he began to change his stance. I offered to show him a few similar rigs that are for sale on the net and he continued to change his tune. I give him a simple example of buying a new Camaro and turning it into a drag car for performance reasons and thats when it hit him the hardest. He quickly understood what I was saying and thanked me for my time. We didn't even make it to the second of the three summary sheets.

I followed up the next morning with the total loss department and they said they had gotten the appraisal and would follow up with me the next day with their offer. The next day they called and offered me the appraisal rate plus taxes and deducted my deductible. I felt that that was a good offer and accepted. Two days later (today) I picked up the check from them. IF I hadn't educated the appraiser on the value of the mods, I would have been screwed.

I have learned a lot through this process and hope others will glean a few insights into their situation. I would not wish this on anyone!!!! I will have a location device in my new rig!

Click to expand...

Aspenkid said:

Well, its finally finalized. I picked up the check from them today. I feel VERY fortunate to have gotten what I did from them. This is how the rest of the story played out.

The 60+ pages of receipts went over to the third party appraisal service and they called me to go over them. At first he just wanted to give me a few thousand dollars for "some" of the modifications that I had done. They had, for the most part been done in the last year and a half and so that played into it in my favor. As I began to educate him on the reasons and purposes of the modifications, he began to change his stance. I offered to show him a few similar rigs that are for sale on the net and he continued to change his tune. I give him a simple example of buying a new Camaro and turning it into a drag car for performance reasons and thats when it hit him the hardest. He quickly understood what I was saying and thanked me for my time. We didn't even make it to the second of the three summary sheets.

I followed up the next morning with the total loss department and they said they had gotten the appraisal and would follow up with me the next day with their offer. The next day they called and offered me the appraisal rate plus taxes and deducted my deductible. I felt that that was a good offer and accepted. Two days later (today) I picked up the check from them. IF I hadn't educated the appraiser on the value of the mods, I would have been screwed.

I have learned a lot through this process and hope others will glean a few insights into their situation. I would not wish this on anyone!!!! I will have a location device in my new rig!

Click to expand...