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Are aftermarket parts covered in an accident in Georgia?
Will GEICO cover the cost of my aftermarket parts if I didn't have special insurance? My car was declared a total loss in an at-fault accident in Georgia.
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“I’m sorry your car was totaled, but I am glad you are okay!
In a total loss scenario,
car insurance
companies determine the actual cash value (ACV)
of your vehicle and payout this amount. In most cases, aftermarket parts or modifications aren’t included in the actual cash value of your vehicle unless you have special coverage.
That said, if the aftermarket parts added significant value to your vehicle, you could make a case with
GEICO
that you need additional compensation for these parts. If you have receipts of the work done, you may be able to prove to the claims adjuster that your vehicle is worth more. If not, you may have to eat the loss.
Should this happen, consider adding custom parts and equipment coverage to your next vehicle. Custom parts coverage typically covers up to $5,000 worth of modifications.
If you need help finding new insurance and custom part coverage, use
Jerry
. Jerry gathers affordable quotes from up to 50 top insurance companies and delivers the best deals to your phone in minutes for free.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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