Let’s say for example, your car met a nasty accident. It could be anything – crashing into a tree to avoid a confused dog, smashed windows from a vandalism spree, or even cracked tail lights from an overzealous and very short-tempered driver behind you. You decide to get this sort of thing repaired yourself without asking for aid from your car insurer, and you decide this is something they don’t really need to know. Could this be a problem for you in the future?
Well, yes, and no. It really depends from insurer to insurer, which means you have a responsibility to find this sort of thing out for yourself. Different insurers will have different definitions of what a repair is, and may read it differently from a modification. Your insurer will also ask you questions to determine if your non-disclosure was reckless, deliberate, or inadvertent, and from there, they’ll decide what to do next when you apply for a policy.