Title: Are Aftermarket Parts Covered If I’m Not at Fault?
Hi r/insurance,
I recently experienced an auto accident in Texas where the other party admitted fault (I was stationary at a stop sign when I was hit). Unfortunately, this incident resulted in damage to the paint protection film (PPF) on my vehicle, which will cost about $3,000 to replace.
My insurance policy only covers $1,000 for aftermarket parts. Given that the other party is liable for the accident, are they legally required to restore my vehicle to its pre-accident condition, including the PPF?
I’ve been in touch with the other party’s insurance, and they claim that replacing the PPF is an out-of-pocket expense for me. I find it hard to understand why I should bear any costs when I wasn’t at fault. Is there any legal precedent I can reference to support my case?
Thanks for your help!
Hi there,
I’m sorry to hear about your situation; it can be quite frustrating dealing with insurance claims after an accident. Since the other party has accepted liability, they or their insurance company should indeed be responsible for covering the full cost to return your vehicle to its pre-collision state.
In Texas, the law generally states that the at-fault party is responsible for compensating you for all damages, which includes losses for after-market parts if they were present before the accident. If the paint protection film (PPF) was part of your car’s value and you can provide evidence of its existence and cost, it should be covered.
Here are some steps you can take:
Gather Documentation: Collect any receipts or documentation for the PPF installation, along with estimates for the replacement cost. This will help substantiate your claim.
Communicate Clearly: Reach out to the other party’s insurance and clearly explain that as they accepted liability, they are responsible for all damages, including after-market parts.
Negotiate: Sometimes, insurance adjusters might try to minimize what they cover. Be firm in your communication and present your evidence clearly.
Consider Legal Advice: If they continue to deny coverage for the PPF, it might be worth consulting with a lawyer who specializes in insurance claims, as they can often provide guidance on your rights and might help in negotiations.
File a Complaint: If you feel you’re being treated unfairly, consider filing a complaint with your state’s insurance department.
Having the party at fault take responsibility for all damages, including after-market items, is standard practice. Best of luck, and I hope you get your car back to its original condition soon!
Let me know if you have any other questions or need further assistance!