How it works
A cleaner process for modified street cars.
Apex Modified Vehicle Protection is built around documentation and risk review. Two cars with the same year, make, and model can have completely different profiles once the parts and use are reviewed.
Start with the vehicle
Apex reviews the year, make, model, VIN, mileage, ZIP code, title status, annual mileage, and how the vehicle is used.
Document the build
Customers provide parts lists, receipts, photos, mileage at installation, and installer details. Better documentation creates a cleaner review.
Review the risk
Apex looks at vehicle value, part value, driving history, claim history, modification level, annual mileage, title status, and deductible preference.
Choose the right fit
Eligible customers are matched with a tier and deductible structure that fits the build and the documentation available.
Upload documents with an agent
During a live call, an Apex agent can send a document upload link so customers can upload records while the conversation is happening.
Keep records current
As new parts are added, customers should keep receipts, photos, installer invoices, and mileage records updated.
Bring this to the call
The stronger the records, the faster the review.
Missing information does not always mean a customer is rejected, but it can affect eligibility, pricing, deductible, and exclusions.
Upload Documents With an AgentImportant coverage clarity
Apex Modified Vehicle Protection is not a blanket promise that every part, vehicle, incident, or repair will be covered. Protection depends on review, approval, documentation, final terms, deductibles, exclusions, and keeping the build profile current.