In-car technology is becoming more prominent than ever. Protecting these valuable investments should be your priority. The good news is that your auto policy can often provide you with the protection you need. However, a standard policy may not offer the right coverage for you every time.
What Technology Do You Own?
From GPS units to built-in Wi-Fi, many companies are installing a wide range of technology in vehicles. These items enhance the driving experience. Video and even TV systems can help to keep the kids content while you are on long trips. New technology allows you to use a voice command to locate a gas station nearby.
Take a few moments to document the technology your vehicle carries. If these items would be expensive to replace, consider adjusting your car insurance so it covers these items.
Why Adjust Your Auto Insurance Policy?
Auto insurance policies generally cover all electronics within the vehicle if they are manufacturer-installed. That may mean most of these high-end items are already covered. However, the problem is, most policies limit the amount of coverage for these items. You may not have enough total coverage for equipment and contents in your vehicle. That could put you at risk.
An option available to most vehicle owners is a special endorsement. This is a specialized add-on policy that can provide you with improved coverage. It can offer specialized policy limits for these higher end valuables. This generally is not expensive but can be very important.
If someone vandalizes the car or steals items, you’ll appreciate having access to this type of endorsement. If an accident totals the vehicle, these types of technology may warrant the use of the policy to help you recoup some of what you lost.
Don’t assume your car insurance offers protection for your in-vehicle technology. Work with your auto insurance agent to upgrade your policy to better match your unique needs. It only takes a few moments to add an endorsement like this to your policy.
Allen Harmon Insurance Agency has your auto insurance needs in mind. One of our agents can help you get a fast, free quote on a policy that meets your needs. Call us at (877) 205-0051 for more information.