What about after-market parts that enhance the performance or look of the car? Of course, optional equipment added to an automobile after it rolls off the assembly line is not typically supplied by the factory and will usually be aftermarket. Here’s where the insurance consumer must be careful.

Insurance companies only pay for what came attached to your car from the factory. You must purchase additional coverage for any upgrades you have made if you want them to be covered. Extra insurance for accessories, custom paint or striping, and special wheels and tires sells in increments of $1,000. Keep your receipts and take pictures of your car after every upgrade, including the interior and engine. You’ll need to prove the changes if you ever have a crash or a theft claim.