Will Insurance Not Cover Modified Front Splitters?
5 Answers
Whether an insurance company will cover a modified vehicle depends on the accident circumstances. The coverage scenarios for modified vehicle accidents are as follows: Two-Vehicle Accidents: If the owner is fully at fault, their own vehicle damage insurance will cover the claim. Modified parts will not be covered, but original equipment manufacturer (OEM) parts will be. If the other party is at fault, their third-party liability insurance will cover the claim. As long as you can provide an invoice for the modified parts, they will be covered. However, if the cost exceeds the policy limit, the difference must be paid out of pocket by the other party. Single-Vehicle Accidents: If you are fully at fault, such as hitting an object while driving, your own vehicle damage insurance will cover the claim. Modified parts will not be covered, but OEM parts will be. If someone else damages your vehicle with an object, it is unrelated to the insurance company, and you must seek compensation from the responsible party. Additionally, any unauthorized modifications involving technical parameters of the vehicle, such as engine displacement, turbocharging, or changes to the vehicle model, engine number, chassis number, or body structure, will not be covered.
When I first bought my car, I was also obsessed with modifying the front lip—it looked especially cool. But then I had a scraping accident, and when the insurance company came to inspect, they directly said my modification wasn’t declared and was an unauthorized alteration, so they wouldn’t cover the repair costs. I ended up spending thousands out of my own pocket. Now I understand that the insurance policy usually states that modifications must be reported in advance, or else you’re out of luck when something happens. I suggest enthusiasts call their insurance company before modifying their cars to ask if they can add coverage for modifications or choose a more comprehensive policy. Modifications may be fun, but safety shouldn’t be gambled with. I’ve since developed a habit of keeping all receipts for any changes I make, just in case, to avoid regrets later.
I've seen many clients face claim denials after installing front splitters, where adjusters immediately scrutinize policy clauses upon arrival. Most cases get rejected as modifications are deemed risk-increasing factors. As an insider, I remind everyone: don't prioritize temporary coolness over insurance details. Altering structural components gives insurers easy grounds to deny liability. Always declare modifications to your provider beforehand and ensure they don't compromise OEM safety configurations. This builds your defense in case of accidents. For hassle-free protection, opt for authorized services upfront rather than grappling with claim headaches later.
My friend installed a front splitter on his car, but after a minor collision, the insurance company refused to cover the damages, claiming it was an unauthorized modification. He had to pay for the repairs out of his own pocket. Now that I have a family to support, I understand the importance of insurance better. Installing a front splitter might seem like a minor modification, but if you don’t notify your insurance company in advance, the contract clearly states that undeclared modifications won’t be covered. This could even jeopardize your family’s safety. I advise all car owners to thoroughly read their insurance policy terms. If you have any doubts, just call the customer service hotline for clarification. Safe driving is the golden rule—don’t invite trouble for the sake of a fleeting interest.
Having driven for decades, I've seen countless modification cases. Once on the highway, a car with an aftermarket front splitter had a minor rear-end collision, and the insurance company denied the claim after inspection, citing that non-OEM parts exacerbated the damage. This lesson taught me that insurance isn't all-powerful, especially when modifications are involved. Average car owners should be aware that unapproved front splitter modifications may be deemed non-compliant. I've learned to always photograph and report modifications to the insurance company beforehand, opting for comprehensive coverage for peace of mind. Don't just focus on showing off—safe execution is what truly matters.
