Discussions

I'm looking at adding some aftermarket parts to my vehicle and wondering if they would be covered under MPI insurance if something happened. Or do I have to buy additional insurance elsewhere?

Will depend on what you are doing to the vehicle. MPI pays for the actual value of the vehicle on the market at the time of the claim - unfortunately many after market items don't add value, they are just your preference

they will pay up to a percentage as long as you have receipts for the parts.

Unless you like living dangerously, to also check with MPI that your "mods" are acceptable. Just last week I found out that 2 tiny blue light bulbs in my grill were a concern of national security, and I got a $113 ticket for improper mods. The gentleman that gave me the ticket stated as well that he is on a mission against led light bars. It was near Brandon I got the infraction.

Collie said "Unless you like living dangerously, to also check with MPI that your "mods" are acceptable. Just last week I found out that 2 tiny blue light bulbs in my grill were a concern of national security, and I got a $113 ticket for improper mods. The gentleman that gave me the ticket stated as well that he is on a mission against led light bars. It was near Brandon I got the infraction. "

to hear someone is finally ticketing people for unsafe vehicles.  
 
Much of the aftermarket lighting(like the led light bars) is designed for off road use only. People are using them on public roads creating unsafe conditions for all road users.  
 
As for your little blue lights, blue is for police and snow plow use, not for someone who thinks they look cool.

Should probably do you let research for doin mods

Had an accident that damaged one of my aftermarket "altezza" tail lights. Got both replaced with the same ones that were already on. The body shop says it''''s not usually an issue for taillights as long they''''re safety approved, off the shelf/easy to install, cost being similar to factory original and are available in Canada. Headlights are pretty much the same. However, they did say MPI are picky about certain brands of headlights and will deny replacing any lights that are "opened up" and modified. (Projectors, Halo rings, LED strips, etc...). High output bulbs with ballasts can be denied as well. Body, interior, and engine mods... I don''''t know what would be covered. Wheels, tires and suspension is a case by case. Electronics have a cap (not sure what it is). I know that many don''''t get fully compensated when speakers and amps go missing. And finally, window tints may not get covered if MPI deems them as too dark or not within "their" specifications.  
 
All I can say when planning to spend thousands on a car that was originally purchased in the hundreds is... Keep record/documentation of all receipts and get an appraisal when the work is done if you think the car is over the ''''blue book'''' value. A great example would be an older car (like a 20 year coupe) gets bought for $4500. Then a $1000 of mail order items gets added, another $2500 for rims and tires and topped off in the following year with a wicked $5000 paint and bodywork job. Autopac is not going to ''''roll over'''' and pay out thirteen grand on a written off vehicle that has a ''''book value'''' of between $3500 and $5000. Very few people get all their money back from a car and next to none will get it from an insurance company like MPI without having an appraisal, receipts, and determination to fight tooth and nail for what you think it''''s worth. Rims, mail order stuff and the crap bought from Walmart and Canadian Tire are things you''''ll never fully recoup. Enjoy it, but don''''t expect to see all your money to come back when you''''re done.  
 
Just my opinion, I could be wrong.  
 
Edited by snowman5, 2016-11-21 01:45:14