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In my experience for accidents ICBC doesn’t care or factor in mods or $$$ you’ve spent... I brought receipts for my 93 MR2 Turbo when it got totalled and they didn’t care or factor it into their valuation.
That said, they let you strip whatever you want off after as long as you replace it with an equivalent (ie: rip your fancy stereo out and just shove the OEM one back in... or take your wheels but put some kind of wheels back on.
I mean, in a really ugly accident with other parties involved / injured if it’s your fault there’s some risk of the other party saying your car caused further injury due to mods, etc. It’s a bit of a gamble.
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