1. Welcome to Tacoma World!

    You are currently viewing as a guest! To get full-access, you need to register for a FREE account.

    As a registered member, you’ll be able to:
    • Participate in all Tacoma discussion topics
    • Communicate privately with other Tacoma owners from around the world
    • Post your own photos in our Members Gallery
    • Access all special features of the site

Modifications & insurance?

Discussion in '3rd Gen. Tacomas (2016+)' started by Lava-road, Jun 13, 2022.

  1. Jun 14, 2022 at 3:39 PM
    #61
    Chaosh1

    Chaosh1 Well-Known Member

    Joined:
    Mar 11, 2021
    Member:
    #358942
    Messages:
    305
    Vehicle:
    2021 Tacoma TRD Pro
    Some time ago I reached out to USAA about off-roading and aftermarket parts. I found out i was completely covered if something happened while off-roading, and that i was automatically covered for $5k in mods over KBB. Just needed receipts at the time of claim. If I wanted more coverage all i needed was to say how much over KBB and again provide Receipts at time of claim.
     
  2. Jun 14, 2022 at 3:46 PM
    #62
    WA7

    WA7 Well-Known Member

    Joined:
    Sep 16, 2021
    Member:
    #377250
    Messages:
    54
    Gender:
    Male
    First Name:
    Craig
    PNW
    Vehicle:
    '21 SR5 Trail Edition
    This thread just reminded me I need to contact my insurance agent to make sure I'm covered for aftermarket accessories. I'd be out thousands of dollars should something happen to my truck.
     
  3. Jun 14, 2022 at 4:12 PM
    #63
    aozer

    aozer Well-Known Member

    Joined:
    Mar 27, 2020
    Member:
    #323174
    Messages:
    430
    Gender:
    Male
    Dallas
    Vehicle:
    2020 Tacoma TRD OR Cement
    when i totaled a car my insurance company let me come to the shop to remove all of my mods so that i could resell them, including the full set of wheels/tires installed on the car at the time of the accident.
     
    Borracho Loco likes this.
  4. Jun 14, 2022 at 4:23 PM
    #64
    Tacospike

    Tacospike Semi-Unknown Custodial Member

    Joined:
    Nov 19, 2018
    Member:
    #273198
    Messages:
    10,692
    Gender:
    Male
    First Name:
    Jonathan
    512
    Vehicle:
    16 Tacoma TRD Sport / 17 Tundra 5.7L 4X4
    I’ve had Insurance cover my upgraded OEM parts. Might be something to that vs aftermarket also
     
  5. Jun 14, 2022 at 7:43 PM
    #65
    TRD2021SPORT

    TRD2021SPORT Well-Known Member

    Joined:
    Jul 12, 2021
    Member:
    #371124
    Messages:
    351
    Vehicle:
    2021 Tacoma TRD Sport AC
    The above statements are incorrect, insurance could legally deny coverage for the aftermarket parts but they can NOT deny an insurance claim solely for the reasons you wrote.
     
  6. Aug 5, 2022 at 6:33 PM
    #66
    Iceman1N

    Iceman1N Active Member

    Joined:
    Nov 25, 2021
    Member:
    #383011
    Messages:
    27
    Gender:
    Male
    Vehicle:
    2022 Metallic Grey Toyota Tacoma TRD Off-Road
    Have you had any luck with this? I'm in the same boat and coming up empty. The best I've found so far is esurance which said they'd cover up to 25k of mods.
     

Products Discussed in

To Top