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?

Answer

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.

Alexah Grinnell

Answered on Feb 22, 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

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