apeacefulstorm wrote:
I hear what everyone is saying regarding full coverage insurance (and I don't disagree), I guess what doesn't sit quite right with me is this; if I have modded my engine, have different wheels, etc and someone hits me, my car could be totaled out by the insurance company even though there may not be damage to the stuff I want to keep i.e. engine and wheels.... They may cut me a check for 2k and that's all I get.... however if I only had liability insurance I would have the car and could take off of it the stuff I want which might exceed 2k.... that's my point....

The idea of me having to buy back my car from the insurance company just doesn't sound right, there is something wrong with that picture.... but that's just me...