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Custom car parts may not be covered on auto insurance policy

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Tim GanoungAttention automobile enthusiasts! Whether it’s high-end stereo equipment, rear spoilers, a custom paint job, hub caps, or handicap customization, be aware that if it wasn’t installed by the manufacturer, it probably isn’t covered by your standard auto insurance policy.

This means that there will be no coverage for these items if they are stolen or damaged in an accident. Your standard policy will generally pay the costs for standard manufacturer parts but not the custom equipment. Because these add-ons can represent a big investment, you may want to consider adding coverage to your auto policy. This is especially true for conversion vans or handicap customizations that could represent a significant financial burden in the event of an accident.

If you have a policy with Member Benefits and own a pickup or van, your policy includes an additional $200 of coverage for custom equipment at no charge provided you have comprehensive or collision coverage. You can purchase additional coverage—from $1,000 to $30,000—for custom equipment (amounts over $30,000 with underwriters approval) to reduce the out-of-pocket costs you may incur should you experience a loss. Deductibles apply.

Questions? Call at 1-800-279-4010.

Tim Ganoung, Personal Insurance Consultant

Property and casualty insurance programs are underwritten by WEA Property & Casualty Insurance Company. The terms and conditions of your coverage are exclusively controlled by your written policy. Please refer to your policy for details. Certain policy exclusions and limitations may apply.