Compensation for a Totalled Car
My insurance adjuster (TDMM) recently informed me that our car has been totalled. We have something called the 5 Year Replacement Cost coverage, where they will pay out the value of a brand new car rather than the depreciated value.
I have a few items on the car that were damaged, like the license plates and some aftermarket accessories (grill, spoiler, etc), tint (from the dealership applied at the time of purchase) as well as BMW Wear and Tear Lease Waiver purchased. Do these things add to the total compensation? My adjuster has told me they will only pay out the cost of the replacement car, but I'm wondering why I would need to be at a loss for these items when I'm not at fault? Shouldn't insurance cover all of my financial losses?