Originally Posted by THE TECH
I have had a $2000 bumper and $3000 diffuser replaced on previous vehicles through insurance. No rate increases and nothing had to be reported in advance. I verified when I first signed up with them and they said, "Anything permanently attached to the car will be covered". To this day, they have held to that statement.
Oddly enough, I'm not worried about exterior mods. I'm worried that a stroker engine or other significant and more visible mods would result in some insurance problem where they void my liability insurance. I could lose the car and cry a bit, but to be forever in debt from a lawsuit would be the worst. Like many people on this site, I'm not trying to get out of anything, but knowing the law and the history of what other people have experienced is key to making an informed decision on a new purchase or new mod!