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Old 11-14-2012, 08:47 AM   #32
NOVAbimmer
Registered User
 
Join Date: Aug 2006
Location: VA
Posts: 12,369
My Ride: 14 Impala FXST M796
Quote:
Originally Posted by sunsetcoast View Post
What?!?!?!

The bumper loss occurred when the other driver hit your car. What happened afterwards is irrelevant. It worked out for you, apparently, but...

Generally speaking, insurance companies insure what you tell them you have. Typically, you give them the model and VIN which indicates packages. The policy premium is based on that information. If you have "upgrades" that you want to insure, then you need to tell them. Do you have an CF hood and trunk? $3K wheels + $2K tires? $6K entertainment system? Maybe a $8K "chameleon" paint job? FI for the engine? etc? Don't expect these to be covered in the coverage for a "plain jane" model.
many policies also limit the amount of customization endorsements you can add to a vehicle as well, usually based on the value of the vehicle. Want your $15k turbo insured on your $10k vehicle? Not likely.
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