[Future240]

*Puts on Insurance Adjuster Hat*

Zilvia there is a simple way to avoid incidents like this. Find an insurance company that will allow you to insure your car and the parts that are on it. Most companies call it endorsing. Basically underwriting your car for what you paid to have in it***. If your car is worth $2000 and you endorse $5000 worth of parts if an accident happens you have a value of $7000.

Do this and choose the lowest deductible your company has. That way if something happens like it did to OP you can toss them 25-100 bucks and boom no worries about your car being totaled. Then your company will subrogate (go after the other company for your deductible and monies they paid out) the other company and all is good.

Not all companies will do this. Ask you agent/service department whether they will or not.

***Note I said what you have paid for. They won't care if your aero cost $2000 new. If you paid $1000 for it they will most likely consider it's value $1000. Though some companies will haggle it with you.

*Mod hat back on*