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Just had a chat with USAA. I have 15k+ in mods and told them the issue. They cover up to $5000 in mods in any given accident. So if I damage 6k in mods in a front end collision they'll cover 5k. If the car is totaled I am allowed to remove parts from the car but they will take that into consideration when writing me a check for the car itself. They don't charge extra for the 5k in coverage but they won't provide more with a larger premium. They recommend going to a local insurance place that will evaluate the car in person and get it covered for a certain value that depreciates over time.
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