This month we would like to mention an important thing for fellow lowriders who care about their investment..

As many of you already know having a lowrider can be a expensive undertaking. The question is in the event of some sort of accident or total loss of the vehicle are you covered by your insurance company? The truth is very few riders are covered in the event of the vehicle being a total loss. Just because you have full coverage does not mean you will get your hard earned money back. In fact that 80's car you sunk $20,000 into may be only worth $500 to the insurance company. Imaging that if your car was destroyed in a flood or burned in a fire and you only got a check for $500. It is true most insurance companies are crooks. We didn't say all are! You can C.Y.A. in the even of a loss and below is the best way to do so..

The best thing to do is to ALWAYS save all your receipts and get a stated value appraisal done about every two years. Make sure you go to a licensed independent appraiser in your state. They will photocopy all your receipts, photograph your vehicle and within a few days give you a report for you and your insurance company for the correct value of your car. This will affect your insurance rates a bit but it's worth it for the peace of mind. If your insurance company says that you can only go to their appraisers then drop that insurance company because that is a conflict of interest. Some companies still perform this crooked practice on their insured. We won't name any names for legal reasons.

Always check your policy sheet before renewing each year to make sure your vehicle is still covered for the stated value amount. Some insurance companies will try to get away without covering your vehicle again with the stated amount.

So we hope this leaves you with the knowledge to protect your investment.