Go for some of it ... here's why:
The net loss to the insurance company is the ACV they pay you less the salvage returned to them by the salvage operator. The ACV is not really affected much by the after-market stuff you want to remove. Remember that simply putting in a $1,000 stereo system doesn't add $1,000 to the value of the car. Likewise, salvage value is what a salvage operator is going to bid for the rights to salvage the vehicle. Salvage typically runs about 10%-15% of the ACV. So, if you have things that might add $100 to the ACV, they probably only affect the salvage by $10 or $15. Frankly, the adjuster would just as soon close the file as fight over a net of $50 (as more than one Claims Manager said to me ... and as I said as a Claims Manager to more than one adjuster: "The only good file is a closed file"). I am not sure if you were hurt in the accident (I hope not ... but if you were, the goodwill is worth a lot more than the hassle of playing silly bugger over a few after-market items). Either way ... I'm going to let have all that stuff (sounds like the adjuster is a real pro and pretty experienced which is always better for you).
However ... this does not apply to things like batteries and tires. The insurer has bought the car from you. They have paid you the ACV for the car and if you start removing things that noticably affect the ACV or salvage ... then they care. If you think about trying to sell a car without a battery, it's much more difficult and affects what someone will pay. Therefore, the ACV most definitely includes the battery and the like. If you want things like that ... ask the adjuster first. Otherwise ... I would advise against it.
