I have some After Market Parts on my Car, are they Covered?
Answer:
This depends on the state you live in and the type of policy you have.
If you have performance or aftermarket parts on your car and are involved in an accident, most states stipulate that the insurance company restore the car to its condition before the damage. Insurance companies are generally responsible for repairing or replacing parts with like kind and quality parts. If you want premium aftermarket parts or performance parts, you may have to pay the difference.

Some insurance companies do offer coverage for after market parts. In fact, you can get specialty or performance car insurance that specifically covers modifications that you make to your vehicle though you will need to notify them of all modifications. By getting specific insurance on your aftermarket or performance parts, you can be sure repairs will be made using like-kind parts.

If you don’t have this type of insurance, ask your claims adjuster what type of parts will be used to repair your vehicle and find out if they cover only original parts or if they will replace your after market parts with similar parts. It’s helpful to show your receipts for your aftermarket and performance parts as proof of your loss.
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