What is the general policy of insurance companies when they repair your car after a collision? Are mods covered? If not, can you pay extra over OEM part prices to have aftermarket parts installed instead of stock parts?

 

depends on the type of coverage you have.
when you got your insurance there are diff ways to insure your car like showcar or stuff. or you can do some other kinda insurance that includes full mods and stuff but it affects your insurance premiums and such.