For those guys who got there cars stole and got money for all there parts, what did you do to make sure you got the money? I took pics and have receipts but do i have to tell the insurance co. about the parts beforehand and put them on my policy or are the pix and receipts enough?

 

It depends on the company and the adjuster, but generally you are supposed to submit the receipts or at least a list of mods and their values to your insurance company before any claim is made.

For example, Geico will give you a form for 'customizations' that you are required to fill out and send back if you want your mods covered. When I signed up for Mercury and the agent inspected my car, she asked if I wanted the aftermarket parts covered on the policy or not. It may add a little bit to your premium though, because the value of your car will be higher.

 

i never told my insurance about mine. but when my car got stolen, i just told them what i had and showed pictures. no receipts either.

 

when I totalled mine they didn't give me **** for mods...since they dont' cover them ... i have state farm

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by njandrewg &raquo;</TD></TR><TR><TD CLASS="quote">when I totalled mine they didn't give me **** for mods...since they dont' cover them ... i have state farm</TD></TR></TABLE>

when i had state farm, they covered up to $1,000 w/receipts i showed them.
it really depends on the company, most companies cover up to $1,000 in aftermarket parts and then some companies allow you to purchase additional insur...you usually have to have receipts though.

 

receipts usually, and yes most require you to pay additional for mods. But I think some just flat-out don't do it at all.

 

For 21st century, I believe they cover up to 2k worth of additions to the car. If you want addition coverage, it'll be 90 dollars per each thousand.

Just make sure you have receipts and take pictures of everything installed in your car.

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by njandrewg &raquo;</TD></TR><TR><TD CLASS="quote">when I totalled mine they didn't give me **** for mods...since they dont' cover them ... i have state farm</TD></TR></TABLE>

i have state farm too....my car was stolen last month and i showed them the recipts. but i didnt get anything. my agent said that as long as i have recipts (pictures would be a plus too) and they were professionally installed...they would be covered. i had $500+ in after market parts