With most insurance companies, they must replace new for old if the car is still under new car warranty. If you have an accident and they've installed dodgey second hand gear then Ford would have an issue warranting it if something went wrong. I've been dealing with Just Car Insurance and because mine is a non-fault claim I've had no issues, however I'm battling with them now to just get the car written off instead of them spending $30k on fixing it. So far they've offered me $44,800 which they think is the current market value. My lease payout is a little more than that, but if I were to sell it privately I'd be lucky to get $40k for it as it’s modded with high k’s (83,000). So this seems to be the best option for me, take a small loss now as opposed to trying to sell it for $40k with a front end collision on it’s books!