If I put a lot of money into repairing the vehicle before the accident, will I get reimbursement?
You will not be reimbursed for "normal" maintenance. For example, if you had recently replaced the brakes, that would probably just be considered "normal" maintenance. However, if you paid for a repair or modification that significantly improved the value of the automobile, it may be reimbursable to you. You must provide documentation for any modification you have made. For example, if you had recently replaced the engine or transmission or tires, you must provide the insurer with the receipts for the parts and labor. Without that documentation, there is no way to substantiate that your vehicle was repaired at a cost to you.