Quote Originally Posted by natnat View Post
that's right. one reason aami said all mods must stay because after the accident i requested them the exact replacements (if the car was to be repaired). another reason the salvage value was calculated including all those mods.

insurance companies are very tricky you know, if they find any faults that can make them avoid covering the car, they will! apparently in UK the insurance companies will avoid covering cars fitted with retrofit HID's because they argue that the HID's are blinding oncoming cars.
As an example, I once had AAMI try and tell me they could have not paid out on 3rd party damage insurance because my old old old Accord had a stereo worth more than the car (accessory value). I said - hang on - this is for damage to another car not mine, how is the stereo in my car going to increase the liklihood of me damaging another car. They tried to say 'well you could have the stereo up too loud', to which I said what if I had a $2k head unit and only two 5" two-ways... They were like, yeah, our policy's stupid but it's underwritten like that so it can't change. However, they also indicated they wouldn't try to rely on that clause really anyway in that situation. Interesting though. [AAMI have actually been very good apart from that for me.]

PS sorry for your car loss, know how frustrating that is, had an 03 Lux with 20k on the clock written off earlier this year by a guy who didn't understand what a give way sign meant...