will insurance cover my new tires and stereo equipment in a total wreck?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 31, 2013

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Insurance Question from Lansingburg, NY

Asked on 03/31/2013

will insurance cover my new tires and stereo equipment in a total wreck? A man with road rage tried to hit me with his truck and i swerved and lost control and flip the suv i was in.its my girl friends suv and Im not on the policy. they didn't catch the guy and i wasn't issued any tickets.what will be the out come in your opinion ?

Answer given on October 16, 2013

In auto insurance, the insurance follows the car. If you were not the owner of the car, then the insurance policy for the car owner will cover the damage to the car, presuming they have collision insurance on the car. The collision deductible will also apply to any damages.Your girlfriend needs to report the claim to her insurance company. They will investigate, work with the repair shop to repair the car and settle the claim. The rates for your girlfriend should not be affected, since you are not on her insurance policy. However, if you have a separate insurance policy your rates could go up due the accident, if you are determined to be at fault.If the car was a total loss, the insurance company will pay your girlfriend the actual cash value of the car, less the deductible. They may consider the cost of the stereo equipment, but not likely the tires. The actual cash value will be determined by local costs, Kelly Blue Book and other sources that may be available.

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