What insurance items should be considered with a FMIC?
There are two things to consider with regard to insurance for your FMIC: 1. FMICs come with a replacement bumper beam or require modification of the stock unit. Either option could increase occupant or equipment injury in the event of a frontal accident. Though not proven, your insurance company could raise this issue if they find out. 2. A FMIC is a very expensive modification. Some insurance companies insure mods, some don’t. This is one modification where it’s worth a phone call to your agent to ensure its replacement value is covered in an accident.
