I've always wondered, how much stuff can we get away with in regards to modifications of the car if we had an accident and would we be covered. Or if there's anything "illegal" on the car and the crash was our fault would be just get a finger pointed at us and be told they won't cover it??? Like tint being darker then legal, lowered, having more HP etc etc etc... Do ya have to list all this stuff in your policy and you'll be covered, what's the G-O. As for the question im with RAC scored a sweet price thru someone I know working there and just have my car and rims covered..