Here's more personal experience:
In 2004, I had 2 cars totalled, in both cases State Farm offered me only an adjusted price for mods. On the rx8, their adjusted price for 3 month old Racing Beat catback was $200, (a $600 part) - so I told them no thanks on their adjusted reimbursement, and Kevin helped me remove it from the car before it went to the wrecking yard. At least I was able to sell that part to another rx8 owner & recover some of the cost.
Also on the rx8, they would not cover any costs for the clearbra. Their rationale was that it did not add any value to the car.
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