Honestly, I get where you’re coming from—insurance companies can be super picky about mods, even the small stuff. Here’s how I look at it: if it’s something that changes the value or function of the car (like wheels, suspension, major electronics), I tell them. Floor mats or an air filter? I don’t bother. Never had an adjuster dig deep unless the damage was related to the mod. If it’s cosmetic or cheap, they usually don’t care. But yeah, getting denied over something dumb would really suck... just gotta use some common sense.
Yeah, you nailed it—insurance can get weirdly picky. I’ve seen people get denied for stuff like aftermarket headlights, which is just nuts. But honestly, if it’s not changing how the car drives or its value, I wouldn’t lose sleep over it. Most of the time, adjusters don’t care unless there’s a big claim or something looks sketchy. Just gotta use your head and not go overboard reporting every tiny thing.
