Yea, what he said! I pay a bit more a month, and my deductable is a bit higher to have it covered. The parts have to be bolted to the car. All of my aftermarket stuff (inc. wheels, front end, custom rear trim, carbon fiber hood, intake, audio/soon to be video system, etc...) is covered.
It should be outta the shop on the 10th!
Dang man, I feel your pain. Someone hit my car in the middle of the night. I got lucky myself. They repaced my CV boots, tire, pulled many dents out of my car, and repainted that side. I've had something like this happen three times. The second time, it bought me my 200SX.
What insurance agency do you use? I dont think State Farm replaces aftermarket products. Other than that I really dont have a reason to leave them. They are quite reasonable about getting things taken care of for me.