Question

Do I need to tell my insurance company if I added modifications to it?

I just got my first car at the age of 19 and would like to make modifications to it. Do I need to tell my insurance company about the changes I make to the vehicle? For instance, I want to add a short ram air intake, maybe wheels, and perhaps headlights. I'm hesitant to call the insurance company because I was told if they even hear me say "modify" they can drop the insurance or raise the premium.

May 12, 2019 Cameron, NC

Answer
Ross Martin

May 12, 2019

It's always a good rule of thumb to keep your insurance company in the loop to any changes in your vehicle. For instance, if you want the custom parts covered, you will need to contact the insurance company to add the additional coverages for custom parts and equipment. This will raise the premium. If you do not add the additional coverage then the modifications will not be covered. This is important because if the modifications cause an accident, the claim may not be covered. Good luck and if you have any other questions, don't hesitate to ask.
Here is an article related to car insurance with modifications.

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