Andrew Caple said:
Hey, Elmo, I don't think that showing them receipts for a lot of mods is going to do him any good.
If he insured the car as a base '91 with a shitload of mods, then he's in luck, but if he only insured the car as a base '91, then they are obliged to insure him for only a base '91.
It doesn't matter what was in your car - it matters only what you insure it for. You can insure your car plus the mods, but you'll have to pay an increased premium.
In some sense, you're correct Andrew. But there is part of this I don't agree with.
Now, I have to say this: I am NOT making a statement on BEHALF of my employer. The following is MY OWN opinion and does NOT reflect the thoughts or opinions of my employer, Metlife Auto & Home Insurance, Inc.
Ok, with that out of the way, yes, actually, parts and addon's thrown into the car ARE covered under blanket coverage of the vehicle. The ONLY items that are disputed, are when CERTAIN items within the car, such as EXTREMELY high end Electronics, (Head units, amps, drivers, Ham radios, Scanners (where legal) etc) exceed a predetermined amount. This amount varies by state.
So long as DolfanRob's audio gear does not exceed his insurance companies state predetermined amount, he can legally claim those add on after stock installations.
There is a limitation though, any items that are considered wear and tear items are exempt. Therefore, performance tires, brakes pads, etc, are not considered eligible like Liu had said.
Anything else that is a mod/upgrade, that cost him money, which would not have been included stock, would therefore be considered in the 'total' estimate. (total, by insurance definition, means, 'losing the use, ownership, or right to enjoy said insured Item')
Wow. I think this is the FIRST time I've actually gotten something out of working here at Met.

(I hate this job. hahahah)
Elton
*edit - typos*