[jstanovic]

In my experience, if the illegal mods don’t contribute to or cause the accident it shouldn’t make any difference. I had a modified 4wd with illegal sized tyres and big suspension lift, it was written off, as the illegal mods didn’t contribute to the accident I was paid the full insured amount within 2weeks.

BUT if they decide the illegal mods are partly/fully to blame the onus is on you to prove otherwise, especially in a single vehicle accident. Basically your insurance will be worth nothing unless you can afford the time and money to fight an insurance company - good luck!!!!!!