well, i guess it depends on what you have in mods. if the wreck destroys the exhaust, they writh it up that the catback was destroyed. the stock ford crap is probably just as expensive to replace as the magnaflow so you got your magnaflows replaced. even if what you stated is correct and it only covers 1000 bucks, that is not going to help if someone wrecks their heads and cams or blower set up. you need collectors for that for the most part.