When you write an auto policy with an insurance carrier, the insurance company insures the vehicle for blue book value. If you make any additions to the vehicle, it’s important to let your insurance company know in order to make sure everything is covered.
For example, if you add a cover to your truck. It’s an aftermarket product that would not be covered in an accident or a break in, UNLESS you add it to your policy. If you have any questions, you can call your agent to make sure your vehicle is covered properly.
On Android use Podcast Addict and search for Simply Explaining Insurance.