02/2002 M3 6-speed
Large items, like new engine,and/or Trans are covered on my policy.So what happened?
Also I doubt your insurance will cover your modifications as they usually only count as "maintenance" which is not covered.
Aftermarket upgrades can be covered.... if you get it photographed, itemized, and APPROVED; you will pay a little more on your policy, but not an option for you now.
Glad you're alright.
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