What is Motor Vehicle Parts and Accessories?

Motor vehicle parts and accessories coverage helps protect the added or upgraded components of your vehicle that are not included in the standard manufacturer package. This can include aftermarket items or custom modifications such as upgraded stereo systems, custom wheels, lift kits, or navigation systems. These parts can be costly to repair or replace, and this coverage helps ensure you're not left paying out of pocket after an accident or covered loss.

Who Needs It

If you've invested in customizing your vehicle with aftermarket or non-factory parts, you may need this coverage. It's especially useful for vehicle owners who:

• Drive modified cars or trucks
• Use their vehicles for shows or exhibitions
• Add specialty equipment like custom paint, lighting, or body kits
• Install high-end electronics or entertainment systems

What It Typically Covers

This type of insurance generally covers physical damage or loss to:

• Aftermarket wheels and rims
• Custom paint or wraps
• Non-factory audio or video systems
• Performance-enhancing modifications
• Interior enhancements such as custom seats or dashboards

Coverage may apply after incidents such as collisions, theft, fire, or vandalism—depending on your policy terms.

Common Exclusions and Limitations

Policies often come with limits on what is covered and how much is reimbursed. Common exclusions or limits include:

• Wear and tear or mechanical failure
• Unapproved aftermarket parts
• Racing or off-road use
• Parts not disclosed or documented in the policy

Always review your policy or speak with your agent to understand specific inclusions and exclusions.

Factors That Influence Cost

Several factors can affect the cost of motor vehicle parts and accessories coverage:

• The type and value of added parts
• Your primary auto insurance policy
• Driving history and vehicle use
• Your location and risk factors such as theft rates

Adding coverage for custom parts typically increases your premium, but helps protect your investment.

Proof of Insurance and Compliance

While not always required by law, some states may have disclosure or documentation requirements for modified vehicles. Keeping receipts and photos of added parts can help with claims and ensure you meet any required documentation standards. Check with your insurer and state DMV for specific rules.

How to Get a Quote

To find out how much coverage for your motor vehicle parts and accessories may cost, request a personalized quote. We make it easy to get started—just visit our online quote tool.

Frequently Asked Questions

Still have questions? Talk to a local insurance expert.