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Damaged auto parts intended for use on a covered vehicle should still be covered, even when they were stored and damaged away from the vehicle. (Photo: iStock)

Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website.

Question: State Farm is denying coverage on extra auto parts. They were in a total loss pole barn. They were for previous cars owned by the insured, as well as cars he owned and bought custom parts for. He then kept the parts for spares. 

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