Re: Warning! Important to Read if You Have an Audio System..

[Cabrio2NV@aol.com]

In a message dated 2/10/2000 8:58:47 PM Eastern Standard Time, 
smb355@optonline.net writes:

> ******1) No matter who your insurance company is, and even though you have
>  receipts for all your stereo components, the only thing covered is anything
>  that replaces a stock component (i.e.-if it had a deck and changer from the
>  factory and you replaced them with a deck and changer, they would be
>  covered).  NO ADDITIONAL ITEMS ARE COVERED INCLUDING AMPS AND SUBS UNLESS
>  YOU HAVE A RIDER ON YOUR POLICY!!!!!! Don't wait to find out the hard way
>  like I just have. It will cost me about $12 - $34 a year depending on what
>  I put back in the car, but none of my other things that were just stolen
>  are currently being covered. From what I can see, no major insurance
>  company will cover a full system without a rider. PLEASE CHECK IT OUT!

I NEVER have had anything added to my policy to cover mods to my cars and 
stereos and I have gotten back 100% of everything stolen and vandalized in 
the past.  Thankfully nothing that this occured to a was a VW.  I would fight 
it against your company plus i know a friend who had it covered under his 
homeowners policy (Not sure if it needs to occur in your driveway though or 
not?)

Jeff