I replaced my stock bumper with an ARB grill guard right after I bought the vehicle. Loved it. However, the other night I took out a chevy pickup and opened the passenger side up like a can opener. My bumper is toast and there was almost no metal left on the passenger side of the chevy.
Geico informed me that my ARB grill guard and PIAA lights would not be covered!
I was supposed to let them know and they would adjust my insurance.
Anyone have any suggestions or am I just gonna take it on this one? I will argue when I meet the adjuster this friday but...
Most insurance will only cover upgraded add ons if you cal and specify so they canadjust cover. I lost out on a set of wheels a while back due to the fact that I didnt specify with my underwritter.
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2008 TT SE
Future MODs,Imperial Cogs,Wet Okle(white/Blk)
Tint all remaining windows,Toytec 3"Lift
FabFour Front Bumper,All pro rack,Snorkel,CAI.
I guess it depends on the insurance company. I check with my Allstate agent he said as longs as I have receipt for it they will cover it. Geico on the other end is the very strict company on their claims it is almost not worth the savings they offer. In the early 80'sthey were dropping clients because of their use of radar detectors, it came to a point Car and Driver started a campaign to boycott them .
Progressive covers up to a certain amount, either 1K or 2K in aftermarket parts without any additional riders.......Have been with them for 5 years...but use All State on the motorcycle as they rate the driver and not the type of bike.
I replaced my stock bumper with an ARB grill guard right after I bought the vehicle. Loved it. However, the other night I took out a chevy pickup and opened the passenger side up like a can opener. My bumper is toast and there was almost no metal left on the passenger side of the chevy.
Geico informed me that my ARB grill guard and PIAA lights would not be covered!
I was supposed to let them know and they would adjust my insurance.
Anyone have any suggestions or am I just gonna take it on this one? I will argue when I meet the adjuster this friday but...
That is the downside of discount insurance. You need to document all your mods, on paper and in photos, and provide your insurance carrier with that information. Discount carriers usually charge additional fees for extra equipment. Larger, full service carriers will usually cover (within reason) additional equipment you can prove was on the vehicle, with receipts and pics. (I've never been refused coverage on any of my equipment, and those who know me know I'm a gadget freak...)
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" I'm not aware of too many things, but I know what I know, if you know what I mean..."
"Your enthusiasm for the subject borders on the interesting..."
Location: Oh mommy I ain't no commie I'm just doing what I can to live the good all American...Way
Posts: 2,100
Re: After Market Bumper & Insurance
That could get tricky.. As another poster mentioned, go for a stock replacement bumper. Even if you keep reciepts and notify them when you add things, most will pro-rate all add-ons for one year of service. They'll also use non-factory parts to save money. All I've ever been able to do was take their check and add my own money to get what I wanted. Remember, if it "ain't in writing" it probably won't happen.. Ron
Quote:
cidorov previously said:
I replaced my stock bumper with an ARB grill guard right after I bought the vehicle. Loved it. However, the other night I took out a chevy pickup and opened the passenger side up like a can opener. My bumper is toast and there was almost no metal left on the passenger side of the chevy.
Geico informed me that my ARB grill guard and PIAA lights would not be covered!
I was supposed to let them know and they would adjust my insurance.
Anyone have any suggestions or am I just gonna take it on this one? I will argue when I meet the adjuster this friday but...
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08 SS, SS valve stem caps and exhaust tip
Rapper standing on the corner, wrappers flying in the wind... And in my quite reflection, I wonder why..
I just called my insurance (State Farm) to find out the answer. Additional aftermarket accessories are covered under my plan as long as I have some documentation of the parts such as receipts or original packaging. While I was at it I finally asked them about glass coverage for the window for if/when I get hit with a rock. They said it fell under my comprehensive coverage which I had with a $250 deductible. I then changed it to a $0 deductible for only about $1 more per month. Sounded like a good deal to me.
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2007 Black Diamond 4x4 AT w/ CQ DL & GY mods finished:
Gobi Stealth Roof Rack, BFG AT KO 265/70R17, ExpeditionOne Sliders, Pioneer AVIC-D3, Gorilla Locking Lugs, ScanGaugeII, aFe CAI, ExpeditionOne Bullbar Front Bumper mods planned:
Superwinch epi9000, All-Pro W/E Front Coilovers, Dual Battery Kit
Location: Oh mommy I ain't no commie I'm just doing what I can to live the good all American...Way
Posts: 2,100
Re: After Market Bumper & Insurance
Yes, that is a good deal. $100 was as low as safeco would go. Ask them if they pro rate your accessories and over how long. They pro rated my lifetime Borla exhaust over one year! Ron
Quote:
zelig2 previously said:
I just called my insurance (State Farm) to find out the answer. Additional aftermarket accessories are covered under my plan as long as I have some documentation of the parts such as receipts or original packaging. While I was at it I finally asked them about glass coverage for the window for if/when I get hit with a rock. They said it fell under my comprehensive coverage which I had with a $250 deductible. I then changed it to a $0 deductible for only about $1 more per month. Sounded like a good deal to me.
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08 SS, SS valve stem caps and exhaust tip
Rapper standing on the corner, wrappers flying in the wind... And in my quite reflection, I wonder why..
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