Getting an insurance company to honor new paint, or sound systems etc., proved a pipedream for me. It turned out just to be extra work for me rounding up receipts and faxing/mailing, and they completely blew me off. I got 4,200 for the '92 and was able to buy the car back for.... I think it was ?300??
I'd edit your last post if I were you.
Nothing to it, but leverage is always a good thing.