Originally Posted by Sara504
I have USAA ..called them to add my spoiler on my policy they told me I was already covered for $5,000 worth of mods. Anything thats on my car is automatically covered. That was news to me. Over 5k I'd have to call and add it to my policy.
Allstate told me something similar (though didn't quote a specific dollar amount). My adjuster told me that any aftermarket parts on my car would be factored into my claim if they were damaged; I'd just need to provide receipts for them during the claim process if needed. I assumed he was referring to things like wheels or appearance mods (like blacklines for example), rather than performance parts, though he didn't specify.