Does my auto insurance cover damage to my car’s stereo or other aftermarket accessories?

Does auto insurance cover damage to a car’s stereo or other aftermarket accessories? It can be overwhelming to try and deal with the aftermath of damage to a vehicle’s accessories, like a car stereo, for example.

However, you don’t have to shoulder the full cost of repairs or replacement. So let’s explore your options with affordable auto insurance coverage and shed some light on taking care of your stereo and accessories without worrying about who will settle the bill.

What types of auto insurance cover damages to your car’s stereo or accessories?

Having your car stereo get damaged can be a harrowing experience. Thankfully, some types of auto insurance coverage will help cover the cost of repair or replacement. But first, let’s cross auto liability insurance off the list, as it only covers damages incurred to another vehicle or passenger.

It comes down to a case of comprehensive vs. collision coverage for your auto insurance. If your stereo or other stock accessories have been damaged through an act of nature, theft, vandalism, or something other than an accident, comprehensive is the way to go.

If an accident damages your car’s stereo, collision auto insurance will help cover the cost of the damages. Of course, as with any insurance, you will likely have to pay a deductible, but that’s far better than having to front the full cost of damages.

Does auto insurance cover aftermarket accessories?

Auto insurance coverage does not typically cover aftermarket accessories. However, you may be able to purchase manufacturer’s insurance for permanently installed additions to your vehicle. For example, if you’ve had an expensive sound system installed, insurance plans may be directly available from the manufacturer.

Understanding auto insurance may seem difficult, but most insurance companies don’t cover aftermarket additions to your vehicle because they did not come pre-installed by the auto manufacturer.

The Final Word on Covering Damage to Your Car’s Stereo

There are options for covering the damages to your car stereo, although the major drawback is the stereo has to be a stock component of your vehicle. However, comprehensive and collision auto insurance coverage can help cover the expense of your vehicle’s original sound system.

If you want to combine the two, you might consider seeking affordable full coverage auto insurance. Full coverage auto insurance provides comprehensive, collision, and liability insurance, which might be a perfect fit if you’re concerned about damages to your car’s stock accessories.