Will My Insurance Cover Aftermarket Parts?

It can be very tempting when having a car repair done to either purchase used parts or to have the mechanic install generic (aftermarket) parts on the car. Why? Aftermarket parts can be less expensive than the original equipment manufacturer parts. Since car repairs are already so expensive, who wouldn’t enjoy a break on the price? However, before you decide to make that decision you need to check your insurance coverage and be sure that those parts are covered?

Aftermarket Parts May Not be Covered

If you’ve recently had repairs done and a mechanic installed aftermarket parts on the car, there is a real possibility that your insurance coverage will change. The reason for this is because just as you enjoy the benefit of paying fewer costs for repairs, so does insurance companies. There are some companies that simply do not recover aftermarket products.

Types of Coverage

There are generally four types of insurance coverage that you can have: bodily injury liability, property damage liability, collision, and comprehensive. Bodily injury liability covers medical expenses, judgments against the responsible driver, and legal expenses. Property damage liability covers any damages that your vehicle has caused to the property of other people. Collision is for damage that happens to your car as a result of a collision. Comprehensive coverage pays for any damages to the car that did not happen as a result of an accident.

Custom Parts and Equipment

Drivers that have comprehensive and/or collision insurance are generally covered anywhere from $500 to $100 for custom parts and equipment coverage. This coverage generally covers parts that are installed in the vehicle to enhance either performance or appearance and can include parts not installed by the manufacturer. Some who are looking to do more upgrades might consider purchasing additional custom parts coverage as it won’t cover the cost of things such as custom paint jobs, special tires, stereo upgrades, aluminum or alloy wheel covers.
Inquire About Coverage

Before you decide to make any chances to your vehicle it is best that you first consult with your insurance provider to determine whether or not aftermarket car parts are covered and if so, how much? Every insurance company differs depending upon the type of coverage you have on your car. Asking beforehand is always the best solution so that you don’t end up finding out in the end that the parts are not covered.

In closing, the use of aftermarket auto parts is not typically going to raise alarm for insurance providers to begin raising your premiums; however, it is something that you should consider looking into. This is especially true for those car owners looking to significantly modify their vehicles. Communicating with your insurance company is the best way to stay on top of all modifications, aftermarket car parts, and also help to ensure that your vehicle and all of its components are covered in case of an accident. This way your insurance provider can keep you informed on coverage costs while helping you save money on your repairs.