Read the policy coverage. It may be that some pay out actual cash value whereas others pay replacement cost. When I did claims years ago I heard the stories that these 16-year-olds had their cars broken into and had 250 CD's, a top-of-the-line Apline stereo with JL subs and speakers all the way around. Many of them would turn in their friend's receipts as their in an attempt to get paid out but in the end they could tell the truth or the courts being accused of insurance fraud.