Most policies offer add-ons for aftermarket or OEM parts. Did you have that on your policy?
Dell said:
Most policies offer add-ons for aftermarket or OEM parts. Did you have that on your policy?
If I had that coverage and used it, could my insurer go after the at-fault driver’s insurance to recover the costs? That way, my premiums wouldn’t go up.
@Lian
They could try subrogation, but even if it’s not your fault, filing a claim on your own policy could still affect your premiums.
You said you have receipts… did you send those to them?
Tobi said:
You said you have receipts… did you send those to them?
Yes, I sent receipts along with comparable vehicles.
Most insurers only cover a small amount for custom equipment unless you specifically insured it with receipts. Usually, it’s capped at around $1,500.
Ridley said:
Most insurers only cover a small amount for custom equipment unless you specifically insured it with receipts. Usually, it’s capped at around $1,500.
I think WA state has a minimum property damage coverage of $10k, but I’m not sure if that includes the car or just other stuff. I’ll look into it more.