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Auto Insurance Claims/How to claim aftermarket parts?

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Expert: - 7/14/2010


Question
My vehicle was totaled by another party, is their insurance company required to pay me for the the extra parts I have for the car but are not on the car? If so, do I have to show a receipt?

Answer
Hi Daniel,

Yes. The other company is responsible for paying for the aftermarket parts to the extent that they increase the value of the vehicle. Any reimbursement will not be on a dollar for dollar basis. It will be a depreciated amount based on when the part was installed. You will have to provide receipts to prove what the part cost and when it was installed. Some aftermarket items do not increase the value of the vehicle. For instance a set of locking lugs for the wheels may cost $65.00 but they do not actually add value, etc.  

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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