i do some banking through usaa too, my ex's mom works there...we'll see how long my account stays active for...

 

BREW

 

On my last truck, (99' F150) I had 20 inch wheels and tires on there. They were stollen out of my driveway. I called the insurance company(All-State) and told them about it. They only needed the police report to prove they were stolen. I recieved an estimate to replace for 2300, they only cost me 1300 by the way. They cut me a check the next day. I put the extra 1k in the estimate because I have a 1k deductable. So I got my money from the stolen rims, put the stockers back on the truck and traded for what I have now(minus mods) Insurance premiums did not go up due to stolen aftermarket parts either.

 

I've had stereo stuff stolen in past trucks. USAA replaced it with new equipment, no problem. The only problem I had was with the HU, an Alpine 9815. They weren't being made anymore or being sold (from the shop I bought it from). So, they replaced it with the newer model that the shop recommended. Speakers, amps, etc. all were replaced new with the same models.

Lifts, wheels and tires...I don't know. Never had those stolen. KNOCK ON WOOD!!!!

 

I had USAA for my lifted dodge that was wrecked. I called USAA also and they said everything was "covered"....when it was totaled out they totaled up my adjusted market value and basicly gave me about $300 bucks total for a $5000 lift/tire/wheel/stereo package.....worst experience every.