Quote:
Originally Posted by Timco
Whole, as in compensation for rental, time off work, injuries, and property loss. If I had over $10k in mods, I sure as hell would get a rider or make sure I am covered for replacement value, not just car's value. A new top and things like that seem to fall under "things you need to do to keep said car on the road" not performance mods. You can't claim the car is worth more because it just has an oil change and fluids flushed...it's what you have to do. Same with a top. That top may have helped the car hold a high BB value, but you do not get to add $11,500 to the fair market value.
I cannot speak to liability. My accident was 100% her fault, no doubts or arguments. That helps. I agree it goes beyond cash value, but not adding up every dollar spent on repairs. No car goes up in value the exact cost of it's new shocks or tires unless those items are superior to stock, but then only to someone else who wants the mods. The ins company just sees the car has shocks and tires like any other car. Now, you may be able to claim those mod items as yours separately, and insist they take the car but you want the items you bolted on. If mine had a similar fate, you bet those delete pipes and UD pulley would come off and stock would go back on.
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If I have to pay 2k to put a glass top on my next car it sure will not be with my money, not saying insurance owes me 2k but of the 8k in recent (non regular repairs) I was at least some reimbursement.
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Molly
Yellowbird
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