Totaled my heavily modded truck — will insurance actually pay for all the upgrades?

Went through almost this exact situation a while back. The stuff that was on the vehicle when you bought it and was reflected in the purchase price — in my experience, you have a decent argument that it should be included in the ACV because you literally paid for it and insured the vehicle in that condition. The add-ons you did yourself are trickier. Dig up every receipt you can, even old bank statements if you don't have the actual paperwork. I had to fight hard but eventually got credit for most of it once I provided documentation.

Whatever the first offer is, just know it's almost never their best number. Adjusters are incentivized to come in low and see if you take it. Don't accept anything without at least pushing back once with your own comparable listings showing what similar trucks with similar setups are actually selling for in your area right now.

Not legal advice, but this kind of dispute — where the insured vehicle has significant aftermarket value that the carrier isn't accounting for — is actually pretty common in total loss cases. If you hit a wall with the adjuster, you typically have the right to dispute the valuation. Some states require appraisal processes. Worth at least a free consult to understand your options before you sign anything. Once you accept a settlement it's usually final.

I just want to ask — are you doing okay physically? Sometimes the adrenaline masks more than you realize, and soft tissue stuff especially doesn't always show up immediately. Please get checked out if you haven't, and make sure any symptoms are documented medically even if you feel mostly fine right now. That documentation matters later.

Here's the blunt version: gather every receipt, every photo, every listing for comparable trucks with similar mods. Make a spreadsheet. Send it to the adjuster in writing. Don't accept the first offer. If they won't budge, escalate to a supervisor. If that doesn't work, look into your state's insurance commissioner complaint process — sometimes just filing one gets people moving.

This sounds so stressful on top of already dealing with an accident. I'm sorry you're going through it. I hope you're taking care of yourself too and not just grinding through the insurance stuff alone.

Quick question — when you set up the policy, did your agent ever specifically list or schedule any of the aftermarket equipment? Like was there an itemized list anywhere, or did they just insure it as a generic year/make/model? That detail probably matters a lot for what argument you can actually make.