Total Loss Series: Documenting Aftermarket Parts for Claims

Total Loss: Chapter 6 of 6

Now that you better understand total loss claims and your options within the settlement process, you should find ways to protect yourself from future losses by documenting all aftermarket modifications. Unless you notify your insurance company of the upgrades, if your car is declared a total loss after an accident, blue book value is all you can expect as a reimbursement.

Keeping Records

Be sure to keep receipts for every part you purchase. Additionally, if you hire professionals to do the installation work, make sure to keep all the receipts required for those expenses.

Considering Specialty Insurance

Whether you are looking to find classic car insurance, special vehicle insurance for an off-road vehicle or import show car, you need to get a qualified appraiser to write a written appraisal of your car in case an accident ever occurs. If you have no idea where to find such a person, feel free to ask your insurance representative as they have experience with this type of situation before.

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