I got into an accident with my 04 4.4.
I had 4.8is front bumper rear spoiler and dinan exhaust. so when i brounght this up to him the insurance adjuster said. An changes that are made to the vehichle like the 4.8 front bumper as long as it is oem will be paid for and replaced. But stuff thats not oem like the dinan exhaust you have to show reciepts for it and they will cover it. So as far as my insurance company is concerned yes they paid for it all.

__________________
Dinan M3

2006 X5 4.4i Sport Current Vehicle
2006 CLS 55 AMG Current Vehicle
2010 FORD F-450 King Ranch Current Vehicle
2012 GL 550 Current Vehicle

1999 M3 Dinan S3 SOLD
2001 M3 Dinan S2 SOLD
2002 M5 SOLD
2004 X5 4.4i sport SOLD
2007 335 XI Lease ended
2009 E92 M3 SOLD