First off all, Today , your car is nowhere near worth 15500 , i have a buddy who bought a 2000 Si for 13,000 . I see your car everyday for 7-9 k. Second when you get a car appraised , you take all your reciepts, Paint is done by the best body shop in az , has a 2 stage flake paint job , and 3 stage clearcoat , painted 99 Si Electric blue with a lot more flake, i paid 6200 for my paint job , warrantied for the whole time i have the car. My body kit 1000, engine swap, 2000,Hasport swap kit and axles ,900 interior ,3000, wheels and tires 3000, i dont have em on due to winter. Now of course they dont appraise to what you have into it but for whats it worth. 3rd , if you have over 15,000 into a car and can prove it to them , they will insure it for what u have into car with something called Custom Insurance. So if i wreck it , i get 15,000 for whats in it. Not to mention the JRSC i ordered yesterday , Fluidyne radiator, JR fuel pump, Venom injectors, and hondata program moron.