I agree with Jon's thoughts above, but make sure with your insurance company, as well as your agent, that you are covered. My agent swore to me the car was 100% covered, including my mods, and when something happened, the INS company told me my mods were not covered, and I was SOL. I ended up suing my agent, and won, but I didn't recoop everything, and it took me over 6 months to get any sort of compensation.

Make sure you document everything including parts purchasing, and have it all covered, or else they will screw you in any way they are able. Thenturn around and sell your aftermarket parts and make sure they make as much money off you as possible.