Owning your own semi-cab signifies that you’re an owner-operator, and making aftermarket additions to your truck expresses your independence. However, will your insurance cover the replacement cost if you get into an accident that damages the aftermarket parts? At Gantt Agency in Farmville, VA, we’re here to help answer that question and explain why getting an insurance policy that meets your coverage needs is important.
Ensuring Your Aftermarket Parts are Covered by Insurance
All insurance companies have different approaches to covering aftermarket or custom parts and accessories added to commercial vehicles. Some offer partial coverage, while others require additional coverage to pay for the equivalent replacement part. You need to ensure that your policy provides adequate coverage for the add-ons you install after you buy the vehicle. Otherwise, you’ll have to pay to replace the part from your pocket.
Custom Parts and Equipment Coverage
If you want to ensure that the insurer will replace the work you put into the truck after an accident, you need to get this type of additional coverage. It’s a wise idea to get the extra coverage even if your policy says it covers aftermarket items. You may find out the hard way that there’s an exemption to what’s covered or that the part doesn’t qualify under the terms of the policy.
Learn More About Covering Your Custom Touches With the Right Insurance Policy
At Gantt Agency in Farmville, VA, we recognize that your semi is an asset that helps you live the life you want to lead. Call us today to discuss your needs for commercial truck insurance and get everything covered in case of an accident. We can find a policy that works best for you and your truck.