I own a sports car and was recently rear-ended by someone who has accepted full liability. My insurance is trying to price out the repair cost of my car and assures me I will not be out of pocket anything. However, there is one wrinkle.
I have a ground effects kit on my car (front air dam, side skirts, rear bumper cover) that cost around $1200 for the full set. At the time of purchase the rear bumper cover could be purchased individually for around $600. However, during COVID the manufacturer went out of business. I've found someone still selling remaining inventory of these kits, but only as the full kit for $1200. There is also a manufacturer of far lesser quality (different material, fitment issues, etc) selling a similar component for $250.
So the cost of the part damaged is $600, but the only way to correctly 'repair' the damage is to buy a full kit for $1200. In this sort of situation how are damages calculated? Am I owed the $600 replacement cost for the component, or am I owed the $1200 because that's what I'm actually out to do the repair correctly? Or do I need to take the $250 component that insurance wants me to accept?