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<blockquote data-quote="Fester" data-source="post: 373769" data-attributes="member: 6300"><p>This is correct..any insurance company or DA is going to have to prove negligence. Also for insurance purposes the insurance will go with whatever is cheaper. If they can prove that whatever mods caused said damage and that's the cheapest route they will go with it.&nbsp; When having&nbsp; anyting insured the insurance goes buy the vehicle Vin from factory..so for example 2010 chevy impala has insurance based of the Vin and what HP that came with that VIN.&nbsp; Now if you take the engine out and put in a 3,000hp engine in it and total the car...the insurance is not going to cover that 3,000hp engine..they are going to cover the value of the Vin. Now if you hurt or kill someone due to negligence with 3,000 hp engine your gonna be in the hurt bag if they can prove that the 3,000 hp influenced what took place. To add if you modify a snowmobile and total it out in the mountains even if moded more than likely the insurance will just pay off the value of the sled even if the mods caused the damage as its still probably cheaper paying the sled off then losing a customer and dealing with it in court.</p></blockquote><p></p>

[QUOTE="Fester, post: 373769, member: 6300"] This is correct..any insurance company or DA is going to have to prove negligence. Also for insurance purposes the insurance will go with whatever is cheaper. If they can prove that whatever mods caused said damage and that's the cheapest route they will go with it. When having anyting insured the insurance goes buy the vehicle Vin from factory..so for example 2010 chevy impala has insurance based of the Vin and what HP that came with that VIN. Now if you take the engine out and put in a 3,000hp engine in it and total the car...the insurance is not going to cover that 3,000hp engine..they are going to cover the value of the Vin. Now if you hurt or kill someone due to negligence with 3,000 hp engine your gonna be in the hurt bag if they can prove that the 3,000 hp influenced what took place. To add if you modify a snowmobile and total it out in the mountains even if moded more than likely the insurance will just pay off the value of the sled even if the mods caused the damage as its still probably cheaper paying the sled off then losing a customer and dealing with it in court. [/QUOTE]

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