I have full coverage on my car in Kentucky and a few weeks ago my car was caught on fire however when the claims adjuster checked my vehicle in a few days he said that all of my aftermarket parts such as amplifier, CD, etc. made hot leads to the battery and that is where the fire originated which was according to the fire department so the claim will be denied?

James

Louisville, KY

Insurance carriers in Louisville, Kentucky vary on their guidelines with regards to aftermarket parts or the customizing of automobiles. Usually your auto insurance carrier would need to be informed about the performance parts beforehand for these to be covered under your car insurance policy. Most insurance providers want to do an endorsement for these non-factory parts to be covered under your car insurance policy.

You will have to speak to your car claims adjuster regarding the custom parts to check if those will be covered.If you have the receipts, it will be useful if your car insurance carrier will permit your car insurance claim. Keep in mind to always let your insurance carrier be informed about any addition to your car so you will be sure your car insurance policy will cover these parts.

You can always shop around for auto insurance company in  Kentucky that will permit customized parts and get auto insurance quote for your vehicle.

A: Your car insurance company will decide the outcome of such a situation, and it could prove very risky and expensive for you depending on their policies. Some car insurance companies have grace periods, so if your SR22 car insurance payment is done a few days late, you will still be able to pick up your car insurance coverage from where you left off. However, not every company guarantees that you will be covered for any claims you file during that period of non payment. Also, even with companies who have grace periods, late payment isn’t something you can do without consequences. If you pay late too often, then your car insurance policy could be completely canceled.

As for SR22 car insurance companies who do not have grace periods, it’s even worse for you to pay late. Your insurance could be canceled as soon as the day after it was due, and then the company will send an SR-26 form to your DMV office informing them that you have not paid your insurance. Your DMV will then suspend your license, and any driving you do after that will be illegal. If you want to reinstate your license, you will have to go to your DMV office and pay any fines and fees involved, and this can be pricy. You will also have to get SR22 insurance again.