Will Your Policy Cover Custom Systems? 

Reposted on 6/23/20

So, you decided to redo your cars’ audio system, and put in your own sound system. Almost everyone enjoys hearing their favorite tunes in their car, and hearing it loud, with nice bass, perfect tone, and perfectly clear. There are a few things to consider, however. Is it covered by your auto insurance? Insurance coverage on an after-market audio system may be something that many drivers do not even consider. Many policies cover only the factory installed stereo system.

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Many drivers would not even consider looking into insurance coverage on an after-market audio system. But this is definitely something to think about. If you pour a ton of money into your audio system, and some nefarious character thinks stealing it is okay, your beautiful stereo system and all the damage caused by these thug creatures may not be a covered incident on your auto insurance policy. Many policies cover only the factory installed stereo system.

Permanently Installed

Some insurance plans will cover stereo systems which have been installed as a permanent fixture in the car. Other policies exclude it all together. The two places to begin looking for coverage on your policy are the comprehensive coverages and the exclusions. The language in your policy can be difficult to interpret, so contact your auto insurance agent for more information on whether your sound system is safe and covered by your auto insurance policy. Call us for details.

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Another thing to consider is in Nevada, cities and counties can regulate excessive noise.  Clark county defines excessive noise as pollution that can affect health, disturb the peace, and affects property values. If your music can be heard (and it varies from city to city) but from 50 feet (Clark County) to 75 feet other locations in Nevada, you better be aware.

After you have done your own due diligence in checking on your policy and how it covers aftermarket stereo systems, if you must file a claim, they’ll have questions for you. Always answer honestly. They may want to know where your car was parked, if your car was damaged in any way, they may even want to inspect your car.

Also, you will probably be required to pay your deductible. Check your policy’s “declaration page” which is the first couple of pages of your policy. It will show your deductible for comprehensive coverage. If your stereo system cost you less than the deductible, it’s probably not a good idea for you to file a claim. Here again, it’s important to speak with your auto insurance agent about it. Your agent should guide you as to how to go about this situation.

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Navigating through the many options of insurance can be confusing and chaotic, but speaking with a locally licensed insurance agent will help you to obtain the right coverage you need. You’ll have the peace of mind knowing that you are adequately insured when life complications arise. We work hard to find the most competitive quotes for your needs. Contact us today to begin the process of finding the best insurance plan for your family.

Related Articles:

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Aftermarket Parts and How Your Auto Insurance May Use Them

Read More: Auto Insurance in Las Vegas, Nevada

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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation.  You should consult your policy for exclusions or other language that may alter your policy.

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