Q45tech wrote:What does your insurance company say about your changes which may be insurance fraud as the premium is calculated on oem designs, especially medical portion. Air bags are usually a line item premium discount.
Unlikely that anyone would be foolish enough to discuss/suggest safety mods which might embroil them in future litigation!
That would be a very big stretch to say the least. Particularly with side airbags as no insurance application I've ever seen actually asks if the vehicle has side airbags. And even if it did, it could only be considered material misrepresentation if the applicant lied about it on the application and there was an affect on the premium as a result. Additionally, most insurance companies will not consider effecting a policy rescision on a premium amount issue unless there is more than a minimum percent change in premium as a result of the material misrep. Further, if he made the changes to the vehicle after he signs the application, then there is no misrep or fraud.
And it's not that you don't necessarily have a valid point. But it's quite misleading the way you state.