Can I get my custom parts back if my car is totaled?

I have custom parts on my vehicle and I'm wondering if the insurance company would let me keep them. I still have the original parts I replaced my custom parts with. Could I trade them for my custom parts?

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Emily Maracle
Answered on Apr 21, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Once a vehicle is marked a total loss by a car insurance company and a settlement has been paid, the vehicle is owned by the carrier. This would mean that they own all the custom parts and equipment in the vehicle.
If you had custom part and equipment coverage on your policy, the custom equipment would have been factored into the actual cash value of your vehicle. If you have already agreed to the settlement value, the insurance company won’t be able to provide you with the custom parts in exchange for the original parts.
Should you decide to decline the settlement value, you’d be able to keep your car and custom equipment, but you would be responsible for selling your vehicle or repairing the damage. “
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