[joyridin']

One of the issues I ran into with insurance when you file a claim with your own company is where they want the repair work done and what parts are going to be used. State Farm some years ago had a huge lawsuit as they were using "aftermarket" parts to repair vehicles because they were cheaper. The aftermarket parts, as claimed in many cases, were far inferior or didn't meet specific standards. I ran into this situation with Nationwide when I had a Subaru SVX. I hit a car in front of me and put a claim in. The car sat for close to 3 months as they claimed they could not find parts. I had to pay for a rental after the first month (it got worked out). One of the issues was the hood. I found 2 new ones in the USA without a problem. Simple Internet search. The reason the car was sitting is because a new one was VERY expensive and they were looking for a used hood and other used parts.

Even my insurance now through Erie states they can use a suitable replacement part if the original is not available. Having a Cobra insured under this type of policy could prove to be a big issue if they consider something like that Roush engine to be comparable to say a Ford crate engine. Be sure you know what your policy states.