Talk to the insurance company. They'll probably cover it. Believe it or not I totaled my first 370Z and they estimated its worth at $27k for a 2009 Base + Sport and said the damages were just under $15k, it was declared a total loss. I had GAP, thankfully. (First car I ever put GAP on, so I don't know if that was a curse). I paid $1000 deductible out of pocket and they took care of the rest. My insurance on the USED 2009 370Z Base+Sport that I totaled was $114 per month for me being 24yrs old without any tickets or prior accidents. Well, 2 weeks later I walked into the showroom of the local Nissan and drove out in a brand new 2010 40th Anniversary and paying $98 per month for the exact same insurance. Everyone told me rates were going to sky rocket. Well.... after my renew it went from $98 to $104 per month :-) I'm now 25 yrs old and I baby this car. 15k miles on stock tires and plenty more to go.

The local place allowed me to take whatever aftermarket parts were on the car AS LONG AS you left the stock parts.

This was also the case as my friend totaled his fully tuned and bolted turbo Genesis coupe. We took a few hours one day and removed every single aftermarket part from the car and left the stock pieces with the car. The insurance copy will cover you stock parts only. So, leave them ONLY your stock parts, don't give them anything that they didn't pay for.