[Sincere]

1st off it depends on the actual insurance co. BUT, if it is totalled, your are basically screwed unless you had your policy upgraded. BUT if its not totalled, the insurance company will cover anything up to the totalled amount. MEANING, if your front bumper is smashed and you have a 1000 front mount that was also destroyed, they WILL cover the aftermarket parts as long as the total damage does not exceed the total value of the car. BUT at the same time, the insurance companies only cover "visual" mods, no "performace" mods of any kind. but there is a fine line sometimes. Carbon fiber for instance is one of those things they consider visual even tho some can say its performance also.
The only reason i know this is because i hounded my insurance guy about my coverage to see what would happen if this happened to me. I have Travelers and most co's work the same way. I'm just suggesting not to waste your time making a list until you find out what your insurance co covers.