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Is it worth it? Only you can answer that, but I would. All it will cost you is a little time and effort, but if they do declare the car a total loss, I'd rather they take the stock wheels. You will likely be able to get more cash for the aftermarket wheels + new-ish MPSS's. I guess it also depends on how desirable your aftermarket wheels are. I think in some cases the OEM wheels might fetch more. Good luck.
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