If it was installed by the manufacturer then it should be covered.

You will need to find out if you carry physical damage coverage. Physical damage coverage consists of collision and comprehensive coverage. Generally, collision insurance covers damage to your automobile caused by collision with another object or by upset. Comprehensive insurance covers damage to your automobile from vandalism, theft or glass breakage. Your stereo system will be covered as long as it was original equipment and permanently installed in the console opening or dashboard of the vehicle listed on your insurance policy.

Otherwise, the stereo system will only be covered is if you paid an extra premium for additional customized equipment coverage.

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