PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Is it fraud to modify your vehicle and not inform the insurance company?
I recently added chrome, a turbocharger, and a new sound system to my vehicle. I'm worried it's going to increase my insurance premiums. Is it illegal to keep this information from GEICO?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While it’s not illegal or fraudulent to keep the modifications from
GEICO
company, you are doing yourself a disservice. Most standard auto insurance policies don’t cover modifications, so if you want to recuperate your vehicle’s value in the event of an accident, you’ll likely need to purchase additional coverage like
sound system coverage
and custom parts and equipment coverage. Even then, you’ll want to keep track of the purchase receipts for your modifications. If someone else is at fault in an accident, you may need to prove the value of your car as it will be different than the
actual cash value
an insurance company would use. If you don’t currently have additional coverage for your modifications, talk to GEICO. An agent can give you a quote on adding extra coverage. You should also request quotes from a few other companies.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. Jerry collects quotes from up to 50 top insurance companies and delivers the best deals to your phone in minutes for free.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
.jpg&w=64&q=75){kind=avatar}
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
