So my garage was broken into monday and the car was vandalized. To the point that the insurance adjuster said it would be totaled. (Ex-wife im sure) Now i had full coverage on it aswell as $4000 in specialty parts. Was just called this morning and was told they would not be filing a claim because it was a race car. Now I have a tag on it and its 100% street legal. But because I have a roll-cage and racing seat bealts in the car she said it was no longer a street car. So looking though my specialty parts policy
Customized Equipment
Customized Equipment coverage is optional in this state. If you buy this coverage, you must also buy Comprehensive and Collision coverage.
What's covered?
You should consider purchasing Customized Equipment coverage if your vehicle has permanently installed custom parts or equipment other than those installed by the original manufacturer. Examples of customized equipment include:
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Any dealer-installed equipment that is not offered by the original manufacturer
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Special equipment on vehicles, vans, and trucks, including: running boards, brush bars, roll bars, undercarriage lighting, fog lights, bed liners, camper shells, trailer hitches, etc.
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Customized wheels, spoilers, suspensions or performance-related equipment
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Stereo, sound recording, and television equipment
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Customized paint or decals
How much protection does this coverage provide?
Within the limits you select in your quote, this coverage reimburses you for the lowest amount of the following: the actual cash value, the declared value, or the actual cost to repair.
Who might benefit from buying Customized Equipment coverage?
Without this coverage, your policy covers only the original equipment included by the manufacturer. If your vehicle has additional equipment, accessories, enhancements, or changes that alter the appearance or performance of the vehicle, it's advisable that you buy additional coverage for these items.