Originally Posted by m3an
Insurance is responsbile regardless as OP is a 3rd party claimant. His insurnace is only resposible for OEM, but if someone hits you, they have to make you pre-loss condition. I doubt they'll re-wrap the car, but after you do the one panel, show them (insurance company) and if there is a large variance they may elect to wrap more of the car. IMO wrapping more is cheaper to insurnace than having to paint the car. good luck!@
See, this is what I thought. If it was my own insurance and I never told them about any aftermarket additions to my car, then I would never expect them to cover it.
Thanks everyone for the replies. I've thankfully never been in an accident and had to deal with insurance companies/claims, so this is all pretty new to me.