Most automobile insurance packages are designed to cover cars as they were manufactured. If you need to customize your vehicle for towing, handicap access, or other reasons, how does it affect your insurance policy?

Vehicles for Towing or Plowing

Winter in Albany, NY can bring heavy snows that challenge your shoveling skills. Attaching a snow plow to the front of your heavy-duty truck can help reduce your workload and keep your property clear in storm conditions. Or you may need to attach a trailer hitch to transport equipment or tow other vehicles.

Changing the function of your vehicle may affect your automobile policy in important ways.

• Customizations can void warranties, leaving you on the hook for repairs or replacements.
• You may need additional policies or riders to cover specialized equipment. Contact the insurance experts at NY Twin Bridges Insurance Agency to make sure you have enough coverage.

Modifications for Handicap Access

Disabled drivers and passengers may need customizations to comfortably enter, exit, and operate their vehicles. How does this change their automobile insurance policies?

Per the Americans with Disabilities Act of 1990, insurance companies are not allowed to charge higher rates to disabled drivers. They can, however, charge more for vehicles that have been heavily modified. This justifies the increased cost of replacing custom installations if an accident occurs.

When meeting with an insurance agent, bring a list of modifications you’ve done to your vehicles. This will help the agent determine what coverage you may need.

Personality Accents

Some people use their cars to express their personality. Decorative elements like spoilers, hub caps, and window tinting generally does not affect automobile insurance policies. However, performance-based modifications might change your agreement. If you redesign your car for racing, off-roading, or another unusual activity, you may not qualify for a regular passenger policy. Talk to your insurance agent about specialized policies for these types of vehicles.

Do you own a customized vehicle in the Albany, NY area? NY Twin Bridges Insurance Agency will help you find the right coverage for your car, no matter how you use it.