Does anyone insure their modifications on their cars?

im with him on this one also. i get rear ended in a parking lot fucks up my fender and bumper and cracks a red reflector thingy on the left side of the bumper.

they cut me a check for her wrecking into me and i decide to live with the damage now my resale is lower because of the damage and i still got 600 bucs in my pocket.