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Do you have to tell your car insurance about any modifications you make to your vehicle?
Do I need to tell my insurance if I modify my car? I want to install a new sound system in my car. Would my regular coverage protect it?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you are installing a new sound system in your vehicle, you’ll likely need special coverage for aftermarket modifications. Most major carriers offer
insurance coverage for sound systems
as a policy addition.While you don’t have to inform your insurance company of updates you make to your vehicle, you won’t be able to
file a claim
should anything happen to any aftermarket parts. Having aftermarket parts can also raise the value of your vehicle. If you aren’t properly insuring your vehicle or your policy isn’t rated for the value of it, you’re likely to suffer a greater loss if anything should happen.
To find out what your
car insurance
will cover, you should reach out to your carrier directly. An agent will be able to advise you on what your policy covers and recommend specific coverage for your sound system.”View full answer
- Gregory R.
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