For anyone that has paid the $1700+ to swap to the led's, what if you get in an accident & your headlights need to be replaced, will your insurance replace the aftermarket part? Maybe its a dumb question but I don't know. I'm gonna call my insurance company and ask but just thought I would ask the people that have done the swap. A lot of money to spend for the insurance company to turn around & say they will only replace the factory ones......tho I haven't hit a deer in a year & half, I'm usually a magnet for them lol

 

Anything aftermarket requires special aftermarket insurance, generally. Most insurance companies will only cover the car as it was originally.

 

Thats what I was guessing but just wasn't sure. I usually leave everything stock for the most part but thats not happening with this truck.

 

Falls under the "Pay to play" rule in my book. Lol

 

Lol, I don't mind pay a little extra for insurance

 

State Farm has always covered anything and everything extra on all of my vehicles without any advanced notification and I have had some serious goodies on my motorcycles and trucks. I have a had motorcycle stolen and they replaced the carbon fiber exhaust, custom panels, etc. and hit a deer last year with my 2012 F-150...they replaced my HID kit, clear bra, custom decals, etc. State Farm rocks!

 

You can add coverage for extra parts to your policy. There will be a slight increase in premiums. If you don't add coverage, the insurance isn't obligated to cover extra parts, but sometime will anyway.