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I think you'll find that those rules vary from state to state. AFAIK, if you "mis-lead" your insurance company by not reporting modifications/customization, they can refuse to pay a claim based solely on that.
Check your policy information, it will know better than anyone else.
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"¿ʞɐǝɹɟ ɐ ǝɹ,noʎ uǝɥʍ 'ʇı ʇ,usı 'ʎlǝuol s,ʇı"
I'd like to think that people might open their eyes at some point... instead, I find it more and more likely that I'll just close mine.
-- Author kept secret.
Je ne veux pas d'une meilleure vie. Je veux être heureux avec celle que j'ai maintenant.
(I do not want a better life. I want to be happy with the one I have now.)
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