Are Modified Parts Covered If the Other Party Is Fully at Fault?
2 Answers
Modified parts are covered if the other party is fully at fault. In a two-party accident, if the other party bears full responsibility, they will compensate for the damages, as car wraps fall under the coverage of the "Third-Party Liability Insurance" purchased by the other party. If you are fully at fault for the accident, generally, you cannot receive compensation unless you have purchased the corresponding "Additional Equipment" insurance. The same applies to single-party accidents. Below is some related knowledge about vehicle damage assessment: Typically, if the vehicle damage is not severe, the insurance surveyor can assess the damage on-site, and the customer can drive the car directly to the repair shop. However, if the vehicle damage is extensive, a detailed assessment must be conducted at a designated damage assessment center.
I've often encountered this issue when handling insurance claims. While the other party being fully at fault does mean they should compensate for your losses, whether aftermarket parts are covered depends on the specific circumstances. Standard auto insurance typically only covers OEM parts, so items like your upgraded audio system or custom wheels won't be included if they weren't declared during policy purchase. From experience, I advise not resigning to fate after an accident—immediately photograph the damage to modifications and gather purchase receipts and installation certificates. This strengthens your position when negotiating with insurers. They might agree to cover partial costs through liability negotiations, or you may need to upgrade your policy with an aftermarket parts rider. I recommend new car enthusiasts consult their insurer before modifications to add relevant clauses in advance, preventing major out-of-pocket expenses in case of significant damage. In short, thoroughly read your policy details—it's worth the effort.
