There’s nothing quite like having a gorgeous set of custom rims to match the rest of your beautiful ride. However, custom rims also come with a higher price tag, making it essential to learn how to navigate auto insurance in Florida before an accident occurs.
Liability Insurance
Liability policies are the state-required minimum to ensure you follow the law. These policies cover damage to the other driver, including their personal property, if the accident is your fault. They don’t cover damage to your vehicle or your rims. You’ll need another level of coverage for that.
Comprehensive and Collision
These two types of insurance will provide coverage for personal property damage, including damage to rims, tires, and other items. However, it only covers damages due to a covered peril. Many policies cover items such as vandalism, theft, accidents, and some natural disasters. Speak with an agent at Americas Insurance Associates to learn about what’s covered with comprehensive and collision insurance policies.
Custom Accessories
Insurance will kick in to help pay for damaged rims, but policies are often designed to cover the cost of replacing factory parts. That means you may not have sufficient coverage for custom rims. Many companies offer add-on coverage to increase your coverage limits, ensuring you have enough coverage.
Determine the value of your rims and any other custom parts, as well as the cost of replacing them. Then, let an agent know the level of coverage you need to see if they can help.
Experienced agents here at Americas Insurance Associates can help you get a policy that meets your needs. Contact us today to discuss your options. We’re currently serving the Florida area.
