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Can you get aftermarket parts during an insurance claim?
Can I request aftermarket modifications during an insurance claim? My friend said that he was able to replace his regular bumper with a sport one after an accident.
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You may be able to request aftermarket parts during an insurance claim, but there’s no guarantee you’ll get them.
In the event of an accident, your
car insurance company
will pay out claims based on the repair costs. If your vehicle is totaled, you’ll receive the actual cash value (ACV)
of it. To request aftermarket or specialized parts, your car insurance company will have to approve the estimate provided by the auto repair shop. Many car insurance companies prefer aftermarket parts during a repair because they’re cheaper than manufacturer’s parts. However, they may not approve aftermarket parts designed to enhance the performance of the vehicle.
If your insurance only covers the replacement or repair of your current equipment, you’ll need to pay anything extra out of pocket.
Should you be curious about what your insurance will cover, speak with an agent. They can provide you with more information on what your policy covers.
It never hurts to shop around. You may find an insurance company that better fits your needs. You can request car insurance quotes online with companies or go to
Jerry
. The Jerry app collects 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.
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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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