Auto Insurance Coverage

aldaman · 02-14-2007, 09:33 PM

I noticed a lot of Titan Members here running aftermarket rims that look really great. My question is do you all have those rims or other accessories insured/covered under your automotive insurance policy? The reason i ask is that lets say you get into an accident which is not your fault and your aftermarket rims gets damaged. Will the insurance company cover that replacement even though it was not covered in the policy? Thanks in advance.

**blavis** · 02-14-2007, 09:40 PM

That is a good question. I would say probably not. But it is a risk we take to make our trucks unique.

*TitanTough1* · 02-14-2007, 09:40 PM

You should probably report those to the insurance company if you want them to be covered. Otherwise I doubt they would be covered.

EVO8 · 02-14-2007, 10:09 PM

State Farm will cover it but you must keep your reciepts of your purchased rims.

**blavis** · 02-14-2007, 10:12 PM

Quote:

Originally Posted by EVO8

State Farm will cover it but you must keep your reciepts of your purchased rims.

As a State farm customer, I will keep that in mind. Thanks

TitanThunder · 02-15-2007, 07:13 AM

As a State Farm customer... they suck!

Clint · 02-15-2007, 08:08 AM

If it's not your fault the other company must pay to replace them as their insured ruined them. The other guys insurance can't choose what they will cover. What if the other guy hit a Bentley would they say hey, it's to much to fix this brand? Only if his insurance limits are not high enough can you have issues. If you caused the accident then your carrier can choose what they will do. Usually it's stated on your application what is excluded if you don't choose to list on it.

Clint

54warrior · 02-15-2007, 08:52 AM

I had a 99 ZR2 with some chrome rims on it. I crashed the truck avoiding a deer about a month and a half after installing the rims. Two of them were very scratched up. Showed them receipts and there was not a problem. I keep receipts for everything. That was with Erie Insurance (which for you western Pa folks, is owned by the Peterson's, the same one's for which the Peterson Events Center at PITT is named for) Just some random trivia I thought I'd throw in there.

Viking606 · 02-16-2007, 08:05 AM

I'm a State Farm customer, and I like them.

Just keep your receipts and you will be ok.

CBURNS1101 · 02-16-2007, 12:31 PM

I have Wawanesa out her in So Cal and have about 14k in special equipment for about $180 a year on top of my reg. premium... I think its money wels spent

phugoid · 02-16-2007, 01:37 PM

Quote:

Originally Posted by CBURNS1101

I have Wawanesa out her in So Cal and have about 14k in special equipment for about $180 a year on top of my reg. premium... I think its money wels spent

i used to live in So Cal for 16 years and never heard of Wawanesa!???!

CBURNS1101 · 02-16-2007, 05:22 PM

Quote:

Originally Posted by phugoid

i used to live in So Cal for 16 years and never heard of Wawanesa!???!

They are a perferred writer, they only take good drivers, they're based out of San Diego, great Co

NorCalTitan916 · 02-16-2007, 05:30 PM

when in doubt about your insurance...ASK!!

Carriers are looking to minimize costs and fraud, period. If you "say" you have the parts (rims, stereo, etc) and have no proof, you are probably SOL.

State Farm has been good to me. Had my stereo stolen, but had my receipts, so no problem. An insurance carrier only has to replace what is factory with your basic coverage, so ask your agent or contact at the carrier, and find out what's covered.

*mario* · 02-16-2007, 08:41 PM

Quote:

Originally Posted by CBURNS1101

I have Wawanesa out her in So Cal and have about 14k in special equipment for about $180 a year on top of my reg. premium... I think its money wels spent

wow we pay that for 2 titans here in socal as well with the HARTFORD insurance. their covered way above state minimuns too. did that so they wouldnt go over property if you cant cover someones expenses

*TitanTough1* · 02-18-2007, 02:36 AM

I switched from GEICO to Farmers Ins. and saved over $1K a year. Shop around -- especially if you have a good driving record.