Well, I wasn't even in the vehicle when it was hit.. the guy got arrested on scene. He was insured through AAA. AAA will only pay the fair market value of the stock car, and then the "street value" of additional modifications. So, let's say I had invested six thousand dollars in aftermarket parts, but it only really increased the car's value by... one thousand dollars. They would give me the one thousand dollars.

Additionally, I had spent $1000 on replacing my A/C system just 6 days earlier. They aren't reimbursing me the $1000, they're giving me the amount that having a working A/C increased my car's value.

Once the insurance stuff is settled, I'm taking the guy to small claims court for the difference between replacement retail value and the "street value" his insurance will pay. It's not my fault that he totaled my car. I can't buy an identical car and all of the parts I had on it for "street value".

Be VERY smart and keep all of your receipts if you can.. additionally.. take out additional coverage with YOUR insurer on the value of the parts.. I didn't do that.. or I could go through my insurance to recoup the lost $$ on the modifications.