Electronic Equipment And The Impact On Your Auto Insurance

You love your car and it shows: skirts kit, new rims and tinted windows. You love your car and you can hear: amp and subwoofer built into the trunk. For cosmetic changes and performance, see the article ”Changing my car: what impact on my car insurance? ” . 

Here we will focus on electronic equipment. This is a broad category, ranging from the addition of a GPS for navigation aid, through the purchase of a DVD player keep the children occupied during long trips, the installation of a powerful sound system. In short, all electronic accessories you added or substituted for the radio serial for your comfort or pleasure.

Prevention first
this may seem obvious, but there’s nothing more tempting than a GPS prominently behind the windscreen or a DVD player carelessly left in the rear: it is an invitation to theft, and some is not in deprive. In addition, it will probably be a burglary: lock forced, broken glass, a short bill that is heavy. And in this case, insurance will not be necessarily of much help, then the best solution is prevention. First, we must use common sense and do not leave visible removable electronic accessories.Next, consider installing an alarm or security anticasse films on glass and other safety devices. The easiest way is to talk to your insurance broker , who will tell you what features to install (which could also lower your premium). 

Covered or not covered?

 Despite all the precautions you have taken, you are victim of a burglary. First reaction: I’m sure, so my insurance will reimburse me. It’s not that simple. Objects in a car are often excluded from your auto insurance. Otherwise, it is possible that your insurance company refers you to the insurer of your home, because they are goods covered by your insurance.

Frankly

Finally, even if you are actually insured against theft, your insurer will impose a deductible before you pay anything. Take the example of a brand new sound system at $ 1 000: If your deductible is $ 300, you receive $ 700 of the insurer. By cons, if you paid $ 250 for your GPS, you will not receive a penny (again if your deductible is $ 300).

Proof of burglary

Anyway, to play the insurance must provide evidence of forced entry. To do this, you must obtain a police report stating the burglary. Feel free to take pictures that you use as evidence (broken window, forced lock, etc..). Then contact your car insurer for burglary and with your home insurer for the theft of objects, or just your broker, who will handle all the dealings with insurers.