When insurers assess the value of a car after it's been stolen or damaged, do they consider the options I've had installed?
My car was damaged in an accident and I think insurance is supposed to cover the repairs. Some of the damage was done to a part of my car I added after buying it. Will my insurance still cover that?
When insurers assess the value of a vehicle after a loss, they don’t include the cost of any additional or aftermarket parts installed on the vehicle. It’s important to let your insurance company know of any customization on your vehicle so endorsements can be placed on the policy to make sure you’re covered properly. An endorsement is a clause on an insurance policy detailing a change in coverage.
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.
Read advice from car experts at Jerry
Browse by topics
What others are asking
Do I need to tell my insurance if I hit an animal?
"Do I need to tell my insurance if I damaged my front bumper when I hit a coyote? I don't want my rate to go up."
Jul 28, 2021
Does standard renters insurance cover damage, vandalism, or theft by an Airbnb guest?
My cousin is renting an apartment, and he's thinking of listing it on Airbnb since he'll be away for a few months for work. His landlord is open to this idea and they would share the profits. Will my cousin's renters insurance cover any problems caused by an Airbnb guest?
Mar 08, 2021
Should I get a car loan or a personal loan to buy a Subaru Crosstrek?
"I can pay off a loan in a year, as I'm going to receive an inheritance. However, I don't know which type of loan to get. For a Crosstrek, is it better to get a personal loan or an auto loan? How will each affect my credit score?"
May 21, 2021