Always wondered this about insurance...

Some insurance companies provide a certain amount of custom part coverage with their standard full coverage package.

As mentioned, they will only pay to replace stock parts unless you tell them. If you do teh work yourself, you will still have plenty of money to keep your upgrades.

This would be a question for your insurance company, put their employees to work and make them earn some of that money you are paying.

when i was rear ended the insurance company put my magna packs back on my car. I never told them about it but i believe there was some kinda clause about aftermarket parts.

If the other driver is at fault for the accident their company will be obligated to replace the parts on your vehicle. Chances are good the replacements would be used if they are available.The others are correct in that you need to let your company know about parts you add in case you ever need to file on your policy, ie. you're at fault, fire, or vandalism. I was an adjuster in Texas but laws are different from state to state.

Mike

Most aftermarket parts are cheaper than OEM to begin with, so most body shops will work with you on replacing it with whatever you want.

Interesting.....I'd think the biggest concerns come when you drop on a $6k KB on the block and have the car totaled out or something. Can you go and pull that KB off the car assuming its still solid? Imagine a front end collision where your engine is toasted along with your KB....most insurance companies would not give you a new KB!

Wanna hear more on some insurance shady dealings... this is worth reading through.
http://redtape.msnbc.com/2006/04/recently_a_red_.html#posts

For once, I'm glad I live in CA where this practice is illegal.