Does Auto Insurance Cover Custom Parts or Modifications to My Car?

Many car owners invest significant time and money in customizing their vehicles with aftermarket parts and modifications. Performance upgrades and aesthetic enhancements can transform a standard car into a personalized masterpiece. However, coverage can be limited for these modifications, so it’s best to review your policy and add coverage as necessary.

What Does Auto Insurance Cover?

Standard auto insurance policies typically cover factory-installed parts and equipment that came with your vehicle when it was new. This includes basic components like the engine, transmission, wheels and standard audio system. Your policy’s comprehensive and collision coverages may provide financial support to repair or replace your car to its original condition if it is damaged due to a covered event.

Most standard auto insurance policies provide limited coverage for custom parts and modifications. This means you’ll need additional coverage if you’ve invested in upgrades such as the following:

• Custom paint jobs or wraps

• Aftermarket wheels and tires

• Performance engine modifications

• High-end sound systems

• Custom interiors

• Body kits or spoilers

Many insurance companies offer custom parts and equipment (CPE) coverage as an add-on to your policy. CPE may cover modifications up to their full value, but you must declare these upgrades to your insurance provider and specify their worth.

Who Offers Auto Insurance Near Me?

Contact Ashley Taylor Insurance today to learn about our auto insurance options. Our dedicated professionals are ready to create a customized plan that meets your requirements.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.