(– by moejeep #5369 –)
My 1985 is insured with TD but it is liability only. I told them that when parts need to be replaced they are replaced with newer parts since the original parts are not available. Other then a 1" body lift, add a leaf all my parts are YJ parts. Having said that I have never had a claim for it.
I just called about my LJ asking if I change the fenders (metalcloak) if they would cover it… They asked me to e-mail them some details I will let you know what they say.
Sorry I couldn't be more help.