Sucks Man. Sounds like don't intend to get aftermarket wheels at any point and would prefer getting the 40th Ray's back on the car. Hope Nissan offers them.
If you were interested in aftermarket wheels I would get a written qoute from Nissan on factory Ray's with factory Potenza's fully installed including any labor. I would provide this to the insurance company and have them cut you a check for the replacement. Then take that check and purchase wheels of your choosing. The factory cost of the 40th Ray's will likely be higher than most high end aftermarket wheels.
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