What modifications are not covered by insurance?

[DelJoy]

The first scenario is determined by traffic police, and the second scenario is recorded by the insurance company. In these two cases, you will basically have to pay for the repairs yourself. Here are the relevant details: 1. Obvious exterior modifications: Some enthusiasts prefer a flashy car body, but major changes like repainting, adding decals, or installing body kits require updating the vehicle registration at the DMV. Otherwise, in case of an accident, traffic police may directly deem it an illegal modification, and you'll have to pay out of pocket for the exterior repairs. 2. Excessive structural modifications: The most common examples are 'performance enthusiasts' who modify their cars like race cars—adding turbos, changing exhaust systems, installing spoilers, or even altering engine displacement, replacing suspension, or heavily modifying the audio system. These modifications involve safety concerns and must be reported to the DMV, though approval is usually unlikely. If any of these extensive modifications are present, the insurance company will not cover the claims.