What is typically necessary for vehicles that are modified significantly?

When a vehicle undergoes significant modifications, it changes its value and risk profile. This means that the traditional auto coverage may not adequately protect the vehicle or the owner in case of an accident or theft. Reevaluation of coverage and premiums is necessary to ensure that the policy reflects the new value of the modified vehicle and any additional risks associated with its alterations.

Insurance providers often adjust the premiums based on the modifications' nature and extent, ensuring that the policy offers adequate protection for the modified state of the vehicle. This process helps avoid underinsurance, where a policy might fall short in covering potential losses or damages. Therefore, it is crucial for vehicle owners with significant modifications to discuss their coverage with their insurer and potentially adjust their policy accordingly.