If you have a tuned car, you should read this

If you have a tuned car, you should read this. Armando participates very successfully in the car sound competitions in Miami Beach. He has customized his car, turning it into a mobile discotheque. When he opens the trunk, it looks like the interior of a spaceship. He has installed a highly sophisticated sound system with light effects, large speakers, and TV screens.

“Armando spends all the money he earns from fixing roofs on his car,” his mother often says, looking at her son’s hobby with some disbelief.

But one day, Armando had a major accident. A truck lost its brakes at a traffic light and hit the “mobile discotheque” from behind. The impact was so strong that the car overturned and crashed into a lamppost. Miraculously, Armando walked away unharmed.

When this young man filed a claim with his insurance company, they declared the vehicle a total loss and issued him a check for $4,300, “the market value of the car.” “And to make matters worse, I had to pay the deductible,” he warns, very annoyed.

Armando has unsuccessfully argued with the insurance company, stating that he has spent over $15,000 on audio equipment alone.

But the agent explained to him that the modifications and customizations he made to the vehicle are not covered by a standard policy. Therefore, the value of the car is based on the factory-installed components.

Not all hope is lost for tuning enthusiasts. There are insurance companies that offer special coverage for tuned or modified cars. They call it “custom parts and equipment coverage.” This coverage protects non-factory-installed parts and equipment that are damaged in a car accident. If Armando had such coverage, he might have received greater compensation from the insurance company.

So, if you are a fan of tuning, don’t overlook the fact that a standard insurance policy is not suitable for you. Contact Univista Insurance and let them know you want to protect the sophisticated accessories you have added to your vehicle. If you have a tuned car, you should read this.

Call us today for a full qualification! 305-508-9575. You can also quote for free here.