[Art Burtt]

If an insurance company covers a vehicle for collision loss,they charge premium in proportion to the vehicles value,as, lets say a 2004 Civic. If the insured adds equipment that increases this value,why should the company pay for those extras. Maybe the equipment manufacturer should warn people of this fact. Of course many factors go into calcualtion of the total policy cost,such as age and experience of the driver,driving record,useage,and deductibles. The losses of the people who have claims are covered by the premiums paid by all insureds. Why should drivers of non-altered cars pay for the extra ordinary losses of those who choose to alter their cars?