After an accident, most insurance companies include the use of spare parts in their repair estimates. Replacement parts that you install yourself as a vehicle modification may also be covered up to a certain limit in a standard auto insurance policy. If you need more coverage for your vehicle's custom parts, you can consider purchasing additional coverage. If you are thinking of replacing parts of your vehicle due to a repair without the involvement of insurance or vehicle modifications, you will usually have two options: aftermarket parts or OEM (original equipment manufacturer) parts.
The difference between the two is that the manufacturer's replacement parts come from a third-party manufacturer, while OEM parts come directly from the original vehicle manufacturer. OEM parts coverage is typically available for motorcycles, but many insurers don't offer OEM coverage for cars. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. MoneyGeek listed the best insurance companies in Clarksville to ensure you get quality service at an affordable price.
You can increase or decrease the amount of your car insurance depending on the type of modifications. After customizing your car, you'll need to add complementary coverage or classic car coverage to your current policy depending on the type of modifications you've added. Car modifications fall under the CPE insurance category and therefore aftermarket parts will not be covered by standard insurance coverage.