If you’ve invested time, money, and creativity into customizing your ride, the last thing you want is to discover those upgrades aren’t covered after an accident. Whether it’s a fresh set of rims, a head-turning wrap, or performance-enhancing modifications, these additions can significantly boost your car’s personality and value. At Mutual Insurance Partners in Follansbee, WV, we ensure your unique vehicle gets the protection it deserves.

Modifications Aren’t Always Automatically Covered

Many drivers assume that once they’ve added something to their car, it’s automatically covered under their standard auto insurance policy. Unfortunately, that’s not always the case. Most policies focus on the factory specifications of a vehicle. This means that any additions made after purchase, such as custom paint jobs, sound systems, or specialty rims, might not be included unless you’ve added specific coverage.

This is where customization coverage, or an endorsement, becomes essential. It’s an added layer of protection that accounts for your upgrades, ensuring you’re not left paying out of pocket if something happens. To make the most of this coverage, it’s important to keep detailed records of your modifications and their value.

Talk to Your Agent Before You Upgrade

The best time to consider insurance for your modifications is before you make them. Some changes can even affect your vehicle’s safety profile or value, which may impact your premium. Speaking with your insurance agent ahead of time can help you avoid surprises later.

At Mutual Insurance Partners in Follansbee, WV, we’re here to help you protect your vehicle exactly the way you’ve customized it. If you’ve made modifications or are planning to, give us a call. We’ll walk you through your options and ensure your coverage reflects the car you actually drive.