I am insured with State Farm since I was 16 so I can't speak for other insurance companies.
I have asked my agent on whats covered in a car and everything that is integrated or bolted into the car is covered under comprehensive and collision. It doesent matter if the car came with it or not, if it is an integral part of the car it is covered.
I got rear ended last Spring in my Z and my custom subwoofer enclosure was damaged and my insurance company paid Car Toys to build me a new enclosure exactly like the one I had. This wasnt a problem since they built in in the first place.
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To the optimist, the glass is half full. To the pessimist, the glass is half empty. To the engineer, the glass is twice as big as it needs to be.
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