This may be a case of "YMMV" - when my eight-year-old Prelude was
totalled in 1990, a couple of months after I'd spent over $1000 on an
engine rebuild, I successfully argued to my insurance company that they
needed to factor in the cost of that work in determining the amount of
the check they were going to cut. Once I supplied receipts, they agreed
to do so, and IIRC the upward adjustment they finally settled on was a
significant percentage of the amount incurred for the rebuild.
Of course, it's entirely possible that insurance companies have gotten
considerably more hard-ass about this in the intervening years, and
since I haven't had a total loss claim since then, I (thankfully)
haven't had the opportunity to find out.
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