Quote Originally Posted by Fredo View Post
You guys keep overlooking the fact that I've already been down this road with state farm once already with this car. I don't see them cutting another $5000+ check to repair this car again.
Do you pay for extra coverage for the improvements? I paid for $5k extra on 8runner after it's final run and Progressive was forced to take this into account when I totaled it. I ended up with $12k and then they let me strip it of all the removable parts as long as I could leave enough parts/mods on it that justified the $12k. I looked into buying it back, but decided that would just be a bad idea in my case since I had already sunk so much money into it.

I had several at fault claims on 8runner over the years, nothing that totalled it, but each time I had to do the receipt dance. Though it took extra time and had to escalate it to various supervisors, I always came out ahead. Most of the time it was with Progressive. One of these times resulted in a cracked transmission and the V8 swap ensued

On top of all that, in 1999, we had the mother of all claims when my friend was driving and rolled it (on the road). $24k in damages + $2400 in rental and they DID NOT total it because I had over $35k in the vehicle. The soft top and many other mods came as a result of that one.

If you think it would be beneficial, I'd be glad to help out since I have gone through this so many times, just give me a call.