[AnthraciteOG]

Hi All

I'm posting this thread to see if anyone has experience with claiming aftermarket damages from accidents with their insurance.

A friend with a wrapped car suffered a bit of small damage to the front bumper area and the only way to repair is to re-wrap the entire front bumper. However, the wrap color is no longer
in production so the only way to repair the car is by re-wrapping the entire car with a different color.

Has anyone had experiences claiming damages on wrap or clear bra(Xpel, SunTek, DYNOshield etc)?
My friend has full coverage and OEM endorsement. His insurance has paid for small aftermarket part replacement before, but not anything like this big.

I once saw on YouTube that MKBHD got his car entirely re-wrapped after his accident and the insurance paid for everything.
His wrap color was not discontinued, the reason he got entire car redone is because the color will look different to the rest of the car if you only wrap one area that's damaged.

[Dasnub]

They may pay for it- but only if he has supplemental coverage for aftermarket parts at a specific value. It’s not a yes or no checkbox- you tell them how much in aftermarket is added and they charge you a commensurate amount.

[nioh_lbbm2]

Typically you need to declare that you have aftermarket add ons to your insurance before it will be covered especially with something that carries a hefty price tag. Just having standard full coverage doesn't include aftermarket parts.

[Happy Motoring]

I did this with Geico. I hope to never make a claim but they ask how much and which part.

[///M TOWN]

Originally Posted by nioh_lbbm2

Typically you need to declare that you have aftermarket add ons to your insurance before it will be covered especially with something that carries a hefty price tag. Just having standard full coverage doesn't include aftermarket parts.

If someone hits me that's not my problem it is now their insurance companies problem

I have all my receipts to substantiate my claim

[nioh_lbbm2]

Originally Posted by ///M TOWN

If someone hits me that's not my pro it is now their insurance companies problem

I have all my receipts to substantiate my claim

True that if another party is at fault. I had this first hand as well.

OP's post wasn't very clear and I assumed it was the owner fault in which case he def needs to have it supplemented

[AnthraciteOG]

Originally Posted by nioh_lbbm2

Typically you need to declare that you have aftermarket add ons to your insurance before it will be covered especially with something that carries a hefty price tag. Just having standard full coverage doesn't include aftermarket parts.

Yep, thats what I assumed too.

However when I submitted a comprehensive claim for my own car last year they paid for the aftermarket part replacement with no doubt or delay when they received the estimate on the part.

[AnthraciteOG]

Originally Posted by nioh_lbbm2

True that if another party is at fault. I had this first hand as well.

OP's post wasn't very clear and I assumed it was the owner fault in which case he def needs to have it supplemented

This is not owner's fault. My friend's car struck something while he was driving at night, he didn't exactly see what it was but it looked like a construction ladder or a road sign.

Thx for all the replies!

[nioh_lbbm2]

Originally Posted by AnthraciteOG

This is not owner's fault. My friend's car struck something while he was driving at night, he didn't exactly see what it was but it looked like a construction ladder or a road sign.

Thx for all the replies!

That counts as owners fault and would be under comprehensive coverage actually. Any time you hit road debris. Sucks but that's how the insurance eyes see it

I hope it all works out for you. And it get covered

[///M TOWN]

If you had something in the middle of the road it's collision if something hits you it's comprehensive

Something like this interior fire is also comprehensive

Definitely not the owners fault

[M FUELED]

How much extra do you pay a month for the supplemental if you don’t mind me asking?

Originally Posted by Happy Motoring

I did this with Geico. I hope to never make a claim but they ask how much and which part.

[Happy Motoring]

Originally Posted by M FUELED

How much extra do you pay a month for the supplemental if you don’t mind me asking?

I think I said I had about 8k in aftermarket parts and it went up $75.

[M FUELED]

Not bad. Thanks

Originally Posted by Happy Motoring

I think I said I had about 8k in aftermarket parts and it went up $75.

[Dasnub]

Originally Posted by ///M TOWN

If you had something in the middle of the road it's collision if something hits you it's comprehensive

Something like this interior fire is also comprehensive

Definitely not the owners fault

This is way off base.

Collision Insurance covers damage to your vehicle in the event of a covered accident involving a collision with another vehicle. ... Comprehensive car insurance pays for damage to your vehicle caused by covered events such as theft, vandalism or hail, which are not collision-related.

[Black Prinz]

When you hit a deer, your claim is filed under comprehensive insurance. But if you swerve to miss a deer and crash, it is a collision claim.

Although a deer may have started the chain of events that led you to crash the car, if your vehicle didn’t actually have contact with the animal, it isn’t a comprehensive claim. If you collide with another car or an object (such as a guardrail or tree) or roll your vehicle, the claim for your damages falls under your collision coverage.

You might think a deer strike would be covered by collision, since this coverage normally covers when your car has an impact with another vehicle or object. However, contact with animals (wild or domestic) is specifically listed as a loss covered by “other than collision,” which means comprehensive coverage.