[doodad]

They have assumed complete fault and boy was it. My own insurance will not insure mods and to be honest that is her companey's concern not mine. Lawsuit seems pointless given her car and it's condition; no money there.

[deport]

Lawsuit seems pointless given her car and it's condition; --
no money there.

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Your insurance company is who you have your car insured with. It is they you can hold to the fire to get them to persue keeping you whole by the other insurance company. Otherwise you can come back to them for restitution. Since the other driver was at fault they will persue that avenue if you keep the pressure on them as they don't want to pay unless they have to.

If I'm wrong then someone will correct me.

[faq]

You are making a liability claim. So you should be able to collect the current value of the car, and that amount includes your customization. The other insurance company cannot claim they won't pay for customization, you don't have a policy with them. Get an idea of the current value of the car and then add in for the extras. I would imagine they would pay the current value of the car, plus your customization minus a little depreciation. That's if the car was totaled. Otherwise they will pay the full amount to put it back the way it was.