My aftermarket stereo/rims/dvd player/video game machine was damaged in an accident. Does my insurance company have to pay for the damage to this equipment?
There are two issues here. First, did the insurance company know about the aftermarket parts? Did they inspect your vehicle prior to insuring it? Did someone come out and take pictures? Did you tell your agent about it? If you did, you can go to question two. If you did not, then they probably do not owe for it.
Second, what does the insurance policy say? This is the most important step of any insurance coverage question. Some policies limit and/or exclude aftermarket parts. You need to read your policy carefully. If the insurance company will not pay for it, they are required to send you a letter explaining why it is not covered and citing the part of the policy. Once you get that letter, read that section carefully. If they cannot cite the policy provision, then you are probably covered.
The safest course of action: let your insurance company know when you have added expensive aftermarket parts.