Car Modification

Before we get to the gnarly truth, let’s first open with pleasant lie. You know that car modification that you finally found the funds, guts, and time to add to your vehicle? Well it will definitely not increase your auto insurance premium. Don’t even bother calling it in to your insurance agent in Dallas or Montreal or New Orleans. Just get in that car and hit the roads. Let’s stop here for a moment and face down an unpleasant truth.

The Unpleasant Truth about Modified Cars 

We love modified cars. There is something about the knowledge that our car is different than every other run-of-the-mill vehicle on the road that appeals to us. Unfortunately indulging in that desire is not without its consequences. Insurance agencies base their insurance premiums on the monetary worth of your car and the risk it will be to insure.

Car modifications often add value to your vehicle and make it more appealing to thieves, for that reason car modifications can and often do increase the auto insurance of the modified car.

Many car enthusiasts who discover this fact may be tempted to prevent this increase in their premium by failing to report the modification or outright lying about whether or not their car has been modified. If you find yourself tempted to omit or lie about a modification, READ THE NEXT SECTION FIRST.

The Unpleasant Truth about Failing to Report Modifications

For an individual who just spent thousands of dollars tricking out there car, an increased monthly premium can be an unneeded expense. You should be aware that the failure to inform your insurance company about the modification can be disastrous. Why? Your insurance is a contract. Your insurance company agrees to help you pay for damages, and injuries when your vehicle is involved in an accident. In return you agree to pay your monthly premium on time and provide honest information to the company.

By not informing your insurance agent about a modification that might change your car’s value, performance, or aesthetic appeal to thieves, you have broken the contract. Even if the breach of contract is the result of ignorance, you are still committing insurance fraud. Insurance fraud will lead you down one of two paths when you finally need to file an insurance claim:

1. The company may decide to pay only for the value reported instead of the current value.
2. The company may deny your claim. If you are particularly unlucky they may sue you for committing insurance fraud.

The point of insurance is to protect yourself financially when you are involved in a car accident. As a driver, you spend thousands of dollars a year on insurance. The decision to misrepresent your vehicle will mean that you will have spent thousands of dollars on an insurance plan that is invalid. The cost of not informing your company about a modification that will increase your insurance is far higher than an increase in your premium.

Ending Notes: Not all modifications need to be reported, but it is far safer to run the modification by your insurance agent. You should report all modifications that alter your car’s value, performance, aesthetic appeal to thieves, or changes the engine size. Your insurance agent will inform you how your insurance will be changed based on your modifications. 

Once you’ve found the perfect car, you have to take steps to customize it to your unique personality and taste. You don’t need to spend thousands of dollars to customize your ride. Keep these five customization ideas in mind when planning what to do to make your new car truly your own.

1. Change the upholstery.

The interior of the car can be leather or a unique pattern on fabric. You’ll also want your seats to be comfortable to sit in while driving or for your guests when riding, Select from options including cloth, leather, faux leather, and suede to truly customize your ride.

2. Change the paint job.

Decals make your car stand out in a crowd, but they are temporary and do not look as sharp and professional as a paint job done at an auto body shop like the one my friend runs in West Chester, PA. They can also peel off once they’ve been on your vehicle for a while. Anyone can go buy a sticker and slap it on their vehicle, but getting a custom paint job takes dedication and love for the design. A few racing stripes, a logo or a design creates a unique look that is sure to stand out whether you’re in a tiny town or large city.

3. Get a custom license plate.

Getting a custom plate doesn’t cost too much money and it grabs the attention of anyone sitting behind you in traffic. It will also be easier to remember your license plate when you need to write it down on forms or identify it to someone. You have so many options when it comes to selecting a license plate.

4. Add aftermarket lights.

Lighting is versatile and can be added in the front, back or along the sides. Use brightly colored lights to highlight your car’s primary color. Don’t go too crazy on the lights though. If you go on overkill than you might end up having too many contrasting looks that creates disorganization.

5. Modify your tires.

Your tires give you plenty of customization options. Choose unique rims that improve your car’s look and take it a level up from the manufacturer’s design. Select from black, white, silver or chrome to draw attention to your rims.

Cars provide endless opportunities for customization. Show your personality by modifying the paint, changing the interior or by adding custom rims to your vehicle.

Unlike Cameron’s father though, I do drive my car occasionally. It is a nerve wracking process, but what is the point of owning a car if we cannot go on adventures together? We have two choices, hide it away to protect it, or drive while proactively looking out for the negligent or incompetent drivers.  There is only so much you can do to protect your car from the outside world. Eventually an accident might happen.

What to Do Immediately After the Accident?

At this point there is nothing you can do to prevent the accident. What you need to do is follow the law to the “T”. State automobile law is on your side, as long as you are not at fault. As soon as the accident happens you need to complete these steps:

Stop your car. Pull over to the side of the road if no one has been injured.

When you talk to the other driver stay calm. You may feel like blowing a gasket, but you and your car are better served by being calm and meticulous. In no circumstances should you say anything that might be construed as admitting guilt. Don’t even say a polite “I’m sorry.” The time for niceties has passed.
Call the police about the accident. The police will catalog any injuries and damage to the vehicles.

Collect the other driver’s information and ask the police officer for a copy of the accident report.
Survey the scene and take pictures. Spend a few moments after the accidents taking notes. This is important because monetary compensation hinges on who was at-fault for the accident, and it is important to record critical details while your memory is fresh.

What To Do After

Ensure Your Insurance Company is Fair

At some point, you will need to inform your insurance company that you have been in an accident. Do so immediately after, but do not sign anything, provide a recorded statement, or allow a claims adjuster to look at the vehicle before consulting a car accident lawyer. Insurance agencies may protect you, but they are also a business who can lose money if they pay the full value for every claim that comes across their desk.  Lawyers can ensure that your insurance or the other driver’s insurance company will not cheat you out of the money necessary to return your car to working order.

Look Into Seeking Monetary Compensation from the Other Driver

You may also want to consult a lawyer to talk about filing an accident claim against the other driver. Whether or not the other driver has insurance, they can still be held responsible for the injuries and damages acquired during the accident. If the other driver is uninsured or under insured in an at-fault state, you will be able to file a lawsuit to receive compensation for injuries, monetary loses, and damages. If you live in a no-fault state, who caused the accident is not considered. You will not be able to file a claim against the other driver. You will need to collect your claims from your insurance company.

Car accidents can be hard. They can be made harder when a car is damaged or destroyed that you spent years building and modifying. With the proper preparation and after-the accident strategy, you can receive enough compensation to rebuild the car or begin to modify a new car. It’s not fair, but it’s something.