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Check your policy.

Within all those words should be a definition of your coverage and how a loss will be determined.

Owners with customized cars should seriously consider "stated value" policies.
 

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Discussion Starter #3
Sorry guys, I should have made it more clear in my original post. They have given me a pretty low number, but after a lot of negotiating they have agreed to reevaluate the offer if I can show them similar models with the sport suspension/ modifications along with selling prices etc. If i can show them that my particular mod usually sells for more than a regular model from 1994, they will go up accordingly. Any similar examples currently for sale/ sold recently will help.
 
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