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Unread 12-04-2010, 10:33 PM   #1
Registered User
2011 JK Wrangler 
Join Date: Apr 2009
Posts: 587
insurance and upgrades

If you have like 10,000 in upgrades and god forbid your rode gets banged up or totalled will u be SOL?

Do u need to upgrade your insurance and notify them of expensive upgrades?

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Unread 12-04-2010, 10:41 PM   #2
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JK Wrangler 
Join Date: Apr 2009
Location: Hayden, Idaho
Posts: 2,739
Depends on the insurance company. It's a good idea to call and ask.
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Unread 12-04-2010, 10:45 PM   #3
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2002 KJ Liberty 
Join Date: Dec 2009
Location: Colorado
Posts: 8,325
My insurance comapny has a copy of all reciepts and pics.It's insured for 6 times there calulated value if stock.Sure I pay a whole $20 more per month for the added replacement cost but will not get shafted if I total it,still only $78 per month for $250/$250 full coverage.
'02 Liberty sitting on 35" tires,HP44,RockJock60,and AtlasII t-case
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Unread 12-04-2010, 10:46 PM   #4
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2007 JK Wrangler 
Join Date: Jul 2007
Location: Bakersfield, California
Posts: 1,952
When a dumba$$ cut me off and I totaled my WRX it had about $5k in upgrades. I got about $250 back from the insurance for all the upgrades classified under engine modifications..... I think your SOL unless your company has a different package then AAA... I had a premium package as well. I gave them ALL my reciepts and they still couldnt help me. The only thing they really could take into account was the new tires.

One thing I learned after that is to NEVER let the tow truck take it to there yard, after its there you cant touch it and have to pay to get it moved. Just have them tow it to your house, buddies place, or a shop so you can salvage whatever aftermarket parts you can.

Tow companies make a killing just by storing a wrecked vehicle in their yard. I think it was around $6k that my insurance had to pay after just a few weeks on the lot. They always want to go there first....
07 JK 2D X model with 6 speeds. Full Traction 3" ultimate lift kit. 315x75x16 Toyo Open Country M/T on Rock crawler procomp rim. Ruby dana44's front sleeved inside/outside C truss and rear with 5.13's gears. Homemade rock guards, rear bumper w/tire carrier, oilpan/tranny skid, evap canister skid, light bar, switch pod. Riddler diff covers, Cobra 75 w/wilson antenna, Polk speakers, 10" sub, 2x Amps, Lightforce 240 drive light, backup lights, rock lights.
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Unread 12-05-2010, 09:07 AM   #5
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2008 JK Wrangler 
Join Date: Oct 2009
Location: Charlotte, NC
Posts: 775
I asked my insurance agency (Farm Bureau of NC) and they cover $2000 in mods and property. I can extend that as high as I want, It will affect my premium, but within reason. If someone hits me and their insurance tries to shaft me, my insurance pays the remainder and sues their insurance for the difference.
2008 Jeep JK X: auto trans, 3.73 gears, D44 rear, D30 front
Mods: 2'' Rusty's coil lift, Superchips 93 octane tune, Cobra 75 CB radio, 33'' Duratrac's, onboard air compressor
My Build Thread! --->
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Unread 12-05-2010, 10:19 AM   #6
smcginnis87's Avatar
2007 WK 
Join Date: Apr 2008
Location: Phoenix/Scottsdale, Az
Posts: 1,396
I know state farm covered my 350z it covered all 10k in modifications and i paid about an extra 10 bucks or so
2015 WK2
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