And to add, insurance companies will total it out if the repairs cost over 60% of the value of the car usually. For instance, if your car is deemed worth 7000, and the cost of repair is only 3000, they will just repair it.
Now determining value of car is tricky, my 2003 V6 was valued at just under 6000, but it had 130000 and was super clean (had a new paint job, mint condition interior, and had power seats, pony package, and cruise control) the downside is it had over 2000 in it (ran high 13s)
I went ahead and got the NADA value of a 2003 mustang
Gt with all the options (Mach audio, leather seats, and power seats) and the clean retail value was at 7000. If your paint is bad, or don't have any of those options, I still think the insurance company should give you at least 6500. IF they total it out.
And just to add, yeah, just like he said, they don't care about mods, however they do care about how clean it is. Typically when the agent goes to get the estimate, if the headlights look new and clean, and the paint is nice and shiny, along with a clean interior (all can be done by you) they typically will give you a better price.
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