i am wanting to get my car appraised just incase something happens to the car and the insurance company needs a record of how much money has been spent on mods. otherwise all i would get from the insurance would be the stock car value. Has anyone else done this and what was your experience, cost?

 

I would first make sure they would cover a car with modifications. I have been told some insurance co's won't cover a modified vehicle if has unlawful parts.

 

i have llstate, i called them about the situation and they said get it appraised. now, i realize that new stock parts cost more that aftermarket ( at least for the most part) so the other question is, maybe its best to get to know some one who has a collision shop.

 

When my white one got totalled, I had never gotten it appraised prior. So, my cheap ***, I go with a bootlag *** company. They tried to only give me 21 for an 05 with 30k on it. (This was last year). I said **** that, sent them the 30k of mods I had with recipts, and ended up getting close to 29k for it. (while taking pretty much the entire car with me, minus the shell )

 

how do you manage to keep the car when the insurance company pays you for it?

 

Its called fraud.

You'll need an insurance company that will allow for "special equipment". Not all companies will insure extras but other companies have a built in amount to cover the extras. If you have crap in insurance maybe you should look at getting good insurance first.

 

I have state farm and on my last car I just took it, and all my receipts of Mods. with me.
They made copies and took alot of pics. , then they would insure me for all mods + car...

Haven't done it with this car yet, but I need to real soon..

 

In most cases the OEM parts will cost more than the aftermarket stuff. I guess if you have electronics, gauges, and expensive wheels you might want to insure that but most other stuff will cost less than OEM.