This is realistic and negative. I quit working for an insurance company, but here is what I learned. Normally when you have insurance they ask you about aftermarket parts. Even though your Roush came that way, a lot of insurance companies still consider it a custom job. So if you don't claim the parts or have it appraised by the company, then they consider it to be a regular car. That is why if you have a Saleen or Roush don't use an everyday insurance company. You have to buy insurance from companies that deal in these type cars. A lot of the major companies have seperate divisions for unique, custom, or high value cars. All honesty, you're more than likely out. Mustangs are just Mustangs to insurance companies. You'll have to have paper proof your car was done up as a Roush, and sold as a Roush Mustang. Even then, I don't know. I didn't work claims.
You know how many people try to get more insurance for their Mach 1 or Bullitt because it is ''worth more and is a collectible?'' To State Farm, Progressive, Geico, etc. it is a Mustang, period. They don't care if it is 1 of 500 with special one off parts. Unless you claim, and then pay extra money for each of those parts.
