Your answer
You're partly right, however it might not matter..cuz,
If you sustain enough front end damage in an accident, that your engine block is cracked, or has sustained ir-repairable damage, your car would most likely be considered a total loss..As long as you have full coverage, your company would pay you actual cash value or market value minus your deductible.
Your company wouldn't necessarily add for the "upgraded" engine, and on the flip side wouldn't subtract for the salvage -wrecked out car - not having a stocker...
However in the event your engine is damaged in an accident, and your car is deemed repairable, your company would only cough up the money to have a STOCK engine replaced, and if you wanted another engine, you would have to pay for the part difference..The insurance doesn't car if you have a $20000 engine, they only insure the vehicle the way it rolled out of the factory..
Safe to say you should look into some additional insurance on your car if it's fairly modded, for all things a/m - including engine and body kits, wheels, etc...
Peace
You're partly right, however it might not matter..cuz,
If you sustain enough front end damage in an accident, that your engine block is cracked, or has sustained ir-repairable damage, your car would most likely be considered a total loss..As long as you have full coverage, your company would pay you actual cash value or market value minus your deductible.
Your company wouldn't necessarily add for the "upgraded" engine, and on the flip side wouldn't subtract for the salvage -wrecked out car - not having a stocker...
However in the event your engine is damaged in an accident, and your car is deemed repairable, your company would only cough up the money to have a STOCK engine replaced, and if you wanted another engine, you would have to pay for the part difference..The insurance doesn't car if you have a $20000 engine, they only insure the vehicle the way it rolled out of the factory..
Safe to say you should look into some additional insurance on your car if it's fairly modded, for all things a/m - including engine and body kits, wheels, etc...
Peace
