Insurance companies vary. Generally speakign you willneed reqeipts Ivan. But if you show the damaged part to the adjuster he will ask you to replace it and give them the receipt. A rul of thumb is that they will write the estimate for OEM unless otherwise noted.

Now becareful saying that insurance will pay for what you have receipts. Some will only pay OEM. I know this first hand as a friend lost 5000.00 in stereo equipment. It all depends on the adjuster and company/Policy. Now since your the victim Ivan and its not your policy, there is a good chance they will cover it. If they do not, that is why you have "Underinsured" coverage. That means your company pay the balence. Most full coverages have that figured in. Before you get worked up speak with the adjuster, remember he is only trying to do his job too. Its best to have all receipts; even if you dont then try to get a written quote to replace the rims. This will give the adjuster numbers to work with.

The plus side of this. If he writes the rims up as OEM, you may actually make money since OEM cost more than your aftermarket. Speakers i have no idea how farmers handles it. In the case I mentioned above, OEM prices were paid for my friend for 4 interior speakers. He was then notified afterwards his insurance did not have a clause to cover aftermarket equipment. He had a small insurance company. Farmers is a decent size and should work with you.

There is a positive angle Ivan, all the damaged parts are bolt on. Meaning no cutting, fitting or welding or even pulling.

Terry