Overhaulin'

Custom Car totaled - modified?

Hello, I was in a car accident about 2 /12 weeks ago and my car got totaled. It was not my fault. A lady ran a stop sign and hit my vehicle. The car in question is my 2007 Custom Chevy Cobalt SS. It has way too many modifications such as: body kit, butterfly doors, dual-pipe exhaust system, rims, some mods to the engine and so fourth. The company I am currently dealing with is USAA. My insurance is Progressive. USAA has already taken liability for the accident and is going to send an appraiser out to appraise the car. The KBB value of my car is 13,000$. Unfortunately, I cannot find all the receipts for all the work that was put in. My question is: Is USAA responsible for the aftermarket parts that I put on the car regardless of some of the missing receipts? Are they responsible for any of the modifications to the car? If so, Is it just cash value of the parts on top of the KBB value, or where ever they get the value of the car from? Okay, people aren't answering my question. I'm not trying to claim money from my insurance. I am wanting to know if the party that is at fault if they are responsible for the aftermarket parts.

Public Comments

1. Unless your insurance company was made aware of the mods and approved them under your insurance policy, there is a chance that they may not even cover the repair costs of your vehicle back to stock form. aftermarket mods do not sit well with most insurance companies, especially engine and suspension modifications. Without any receipts for the parts you cannot prove you did it, and most likely not get any thing for them if they write it off. I had over $12,000 in parts on a 67 SS Camero when it got hit from behind, They gave me book value as I had not let them know about the upgrades, then my insurance went up do to not informing the co about a modified car. good luck,
2. Unless you told your insurance company about all the mods you did they aren't going to cover them. They are responsible for the car as it was insured which in this case sounds like it was stock. Edit - The aren't going to pay for stuff that wasn't insured.