any reputable insurance should allow for that Tiny, but that deals with less-than-totaled collision/comprehensive claims - as said, an
agreed value is paid for a total loss only .... or we could say, needs 100% "NOS"
another thought: collision damage as well as liability claims will be examined for cause [brake failure, etc], if you happen to be the one who did the work and do the maintenence, there could well be unpleasant questions, might be a good idea to study how your insurance company treats cases where you are shown to be "negligent"
Bill
