Will Insurance Not Cover Modified Front Splitters?

[AbigailLynn]

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.