I'm curious if any of you have talked with your insurance company about coverage on things we are adding or were added by the dealer for us at purchase. Example - I just got PPF installed on my 2023 RX350 by a professional company. I asked my insurance agent if that would be included if I had to file a claim where body work was needed. He said my policy covers $1,000 for "customization" and anything above that I'd have to pay extra to be covered. It's only $15 per year to add to cover $3,000 in customization. I see some members here are adding dashcams, trailer hitch, etc.. which are permanently installed. He said if I added the coverage that "may" provide weight to make the other driver's insurance cover it if I was not at fault, or my insurance would cover it since I added it to my coverage and then go after the other drivers insurance to reimburse them.

 

Interesting. What auto insurance do you have? I would to call mines id they offer such a thing as I plan to so some things to the RX soon.

 

Never had that happen to me. In fact, the last crash included coverage for the PPF. I think if it was a total loss you might not get back all the money you paid for PPF, but in reference to that last crash, I did get some money for a hitch I installed as it was not factory.

 

My auto insurance is with Erie. I have a feeling the answer might vary by state.

 

I asked my broker - 10% per year depreciation on add-ons.