Over here in the UK there is an insurance "War" - due to internet connectivity, premiums have been tumbling in the last year or so. I now pay around 60% of what I did before.
But with margins cut right back, the insurance companies have been looking for any "out" to save them paying out.
We are asked the question "is the car modified" - which in the old days would have meant hotter cam, supercharger etc - but today smart lawyers could consider any change from stock to be a "modification".
Any change doesn't have to be the reason for the accident either - I have heard of insurance companies not paying out because of a bald tyre even when it wasn't the cause of the accident - on the grounds that the car was unroadworthy
So I shall play it safe and won't now fit my nice new smoked front quarter lights - just in case !
Regards