Do you have to tell your car insurance about any modifications you make to your vehicle?

Do I need to tell my insurance if I modify my car? I want to install a new sound system in my car. Would my regular coverage protect it?

Answer provided by
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Emily Maracle
Answered on Jul 07, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“If you are installing a new sound system in your vehicle, you’ll likely need special coverage for aftermarket modifications. Most major carriers offer insurance coverage for sound systems as a policy addition.
While you don’t have to inform your insurance company of updates you make to your vehicle, you won’t be able to file a claim should anything happen to any aftermarket parts. Having aftermarket parts can also raise the value of your vehicle.
If you aren’t properly insuring your vehicle or your policy isn’t rated for the value of it, you’re likely to suffer a greater loss if anything should happen.
To find out what your car insurance will cover, you should reach out to your carrier directly. An agent will be able to advise you on what your policy covers and recommend specific coverage for your sound system.”
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