Are there any parts of the car that aren't covered by insurance?

So car insurance is supposed to cover damage to a car. But are there any particular *parts* of a car that wouldn't be covered by car insurance?

Answer

Thanks for the question! Any aftermarket parts (those that are not made by the original equipment manufacturer) installed on the vehicle are generally not covered by insurance. It’s a good idea to check in with your insurance company to find out the details of what is and is not covered under your specific policy.

Alexah Grinnell

Answered on Feb 25, 2021

Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Car insurance if the vehicle you're driving isn't in your name?

I pretty regularly drive a car that I didn't buy — all the paperwork and stuff is in someone else's name. How do I make sure I have insurance?

Jessica Bartolucci

Can you obtain car insurance for a vehicle that doesn't belong to you?

I'm currently borrowing a car from a family member who's out of the country for a few months. Yesterday, I took a look at the insurance card and realized coverage had lapsed. I can't get in contact with my family member. Can I get car insurance in their name so I'm not driving illegally?

Is there a car insurance plan that will cover a car that isn't titled in my name?

I recently bought a used car for $300. I'm trying to sell it, so I don't want to have the title transfered. Is there a way to protect the car for now?

How to Calculate Actual Cash Value (ACV)

Car insurance claim adjusters may not offer you enough if you’re being offered actual cash value for your car, not what you paid or owe.

Regular Car Insurance Won't Cover Damage From a Common Fueling Mistake

Not all fuel types are equal. What damage could you do by choosing the wrong one? And can car insurance cover you if you make a mistake?

New Hampshire Car Insurance Laws—All You Need to Know

Unless you’re convicted of certain crimes or traffic violations, New Hampshire does not legally require car insurance.

Read advice from car experts at Jerry

What others are asking

When can I cancel my gap insurance?

I've had my car for a few years and owe less on my loan than the vehicle is worth. Can I cancel my gap insurance? Would I be able to get a refund for any unused premium?

What are some common reasons why home insurance claims are denied?

My brother says his claim was denied because he took too long to file it. What are some other common reasons for denial of coverage?

Savannah Grabek

What should I do if I have negative equity on my Ford Explorer?

"My car loan is for $28,000, but my Ford Explorer is only worth $20,000. I want to lower my monthly payments, but I'm not sure where to start. What should I do if I have negative equity on my car?"

Browse All Questions

Easiest way to compare and buy car insurance

No long forms

No spam or unwanted phone calls

Quotes from top insurance companies

Find insurance savings — it's 100% free

Compare Car Insurance for Your State

Car insurance quotes in Montana

Car insurance quotes in Missouri

Car insurance quotes in Michigan

Car insurance quotes in District Of Columbia

Car insurance quotes in West Virginia

Resources

Car Insurance by Make

Car Insurance by State

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

Never overpay for car insurance

Jerry automatically shops for your insurance before every renewal. Members save $872/year.

Close Signup Banner