I have state farm and my local agency knows my car is modified as one of the agents there has a modified talon. When I had my accident earlier this year, state farm replaced my aftermarket wheel and lip as well as the other oem parts that got damaged. They just needed for me to provide a receipt for how much I payed for the aftermarket parts and they cut me a check. I do not pay any extra for that my car is modified.

While the adjuster that came out and looked at my car apparently gave my local agency alot of arguing saying my car was modified and such, there was no hassle in me getting a check cut to get the parts replaced that were aftermarket and the body shop to fix any of the other repairs.