JARblue

I've had the insurance tack on a few extra bucks for installed aftermarket parts that were damaged in a claim I filed a few years back on the Z. That being said, it was a single part (exhaust) and a royal PITA to get the check approved. But the fact is my insurance policy covers all parts that are physically installed on my vehicle whether stock or not.

My recommendation would be to focus on the larger (more expensive) parts to try and drive the number up. Make it as simple as you can for them without selling yourself short. Of course, the fact that yours is totaled and not just a damage claim means you won't get near full price on anything. It will be a fair market value of parts since they are all used at the time of the incident.

Also, try to get as many different adjusters as you can until you find one that understands the situation. I've had to get my own insurance adjuster look at damage to contest the other insurance company's lowball settlement. Ideally you find someone that is willing and able to contest the insurance company on your behalf.

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