[Dave-ROR]

Originally Posted by Stomachbuzz

Some of y'all are missing the point entirely in your arguments about semantics of fine print.

Here's the deal:
If they break it, they buy it.
Period. The end.

It doesn't matter if you were driving a 1990 Honda Civic, or a 2020 Ferrari. If someone else damages your property, they owe you for the damage.
It also doesn't matter what's in or ON the car.
If they damage your property, they need to make you whole.

It doesn't matter if you have the newest, hottest, fly-est wheels and coilovers on your car, or whether you declared that to your own insurance company, OR NOT! It's irrelevant.
It doesn't matter if you had the Mona Lisa sitting in the passenger seat of your grandma's 1998 Buick.
If it's damaged, they pay for it. PERIOD

It's the same if someone rear-ends your car, or blows through the front wall of your home. Property is property.

The ONLY limit is the limit of the insurance coverage. If the person only has a $25k policy, that's all the insurance company is on the hook for.
If you have a strong case, and threaten to go to court, they might throw you $30k just to absolve guilt, but that's it.
You have to sue the insured for the remainder.

the fact that people don't understand this is...concerning to say the least.
People think someone can wiggle out of their obligations to replace your broken property with "you didn't declare your Volk wheels to your ins co so I don't have to pay you back!"
crazy...

Depends on where you are and the company. I've never heard of wheels specifically being a concerned but other performance parts, yes. Engine swaps, turbo kits, etc won't be made whole generally here unless you purchased extra coverage from your own insurance provider and then they cover that.

In all the examples of things not being paid out have been total losses though so might be different for light damage.

Like @Tcoat - Florida is a no fault state.