[dredgeguy]

Bill, sorry to hear the news. One of our Wazoo guys had a State Farm regular policy and made out well when his car caught on fire. Not only did he come out far better than he thought (mid-high 20's) but he gave them copies of receipts for recent mods done. State Farm gave him I believe 80% credit for the parts and came up with a value for labor (Wazoo did the labor - cost was pizza). Then they included his tax, registration etc. Ended up with a total of low $30's and more than happy.
I also have State Farm but have their collector car insurance with agreed upon value. They just started this type of policy last year.
Others are more knowledgeable about this and keep us posted. Which insurance company are you with?