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with stock parts because once the insurance company cuts you a check, they own the tittle and plan on parting the car out to get their money back. They will get less if there is less parts. When you negotiate your settlement, they will usually subtract a lot for missing parts, add very little for premium parts, but if you put stock back on you can still argue for upper average stock market value and keep your parts for your next car. In most accidents cars go directly to junk yard and you go directly to hospital so there isn't any time to get the parts. Once locked up at the junk yard you usually have to go by the book. In sythtk's case he still has the car but if he takes things off the car and doesn't have stock replacements the insurance company "should" know about if you want to do the honest thing. I don't know about the rest of you guys, but I have all my stock parts in the basement so If I ever sell the car or its totaled (heaven for bid) I will be able to put it back to stock.
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