Wow, I was just pondering a "what if" like this. Settlement with yours vs hers, etc. is fairly common. That is, it's often easiest for your insurance company to do the inspection and settle up with you, then bill her insurance for the damages. They have the internal processes to do this to the satisfaction of both companies. You're not hearing from her insurance because they don't have a contract with you.
As for your aftermarket parts, that may be a tough one for you. If you don't carry "customization" coverage on your policy your insurance company isn't going to pay, and her's will likely say they won't pay for anything you didn't have insured on your policy. You may be able to get them to pony up but I'd suspect your only course of action would be to get her to pay for it hereself, and that probably won't happen.
I used to have Liberty Mutual and had all the stuff on my rig covered, line by line. I had to give them receipts and a complete rundown of everything. When I switched to GEICO they didn't ask for any of that, just added some lines to the policy with a total cost for the mods. These depreciate along with the Jeep. The scenario in my head was "what happens if" the exact situation you describe were to occur. Hmmmm.....
'09 JKRU. 4" Teraflex long arm, Teraflex R44 housing, Teraflex / Fox Resis, Poly Performance skids, Nemesis Billy Rockers, Nemesis flares, 37" ATZ P3s on 17" 5x5.5" Trailready HDs, Spyntec hubs, Teraflex BBK, Mopar BBK master/booster, Superior front & Alloy USA rear axle shafts, CTMs, Reids, Synergy drag link & tie rod, WTOR hydro-boosted steering, 5.38s, TF Dual Rate front bar, TF bumpers, Warn Powerplant, Tom Woods shafts, AA xfer case cable, Kilby canister relo, RH4x4 cage.
Last edited by SoK66; 09-15-2014 at 07:43 AM.