What happens if you have a car crash but you didn't declare that the car had modifications are you still insured or will the person you crashed with are they insured?

The question rambles, but I will answer it based upon my understanding of it. I think that you are asking whether you will be covered for an at-fault collision if the vehicle that you are driving was modified since the time that it was insured. If that is your question, the answer is "maybe".

Insurance is issued and priced based upon the characteristics of the driver and the vehicle. As to the vehicle, one of the factors considered could be engine size/power. If it were modified so as to "soup-up" the engine to make it suitable for drag-racing, and especially if it were used for that purpose, the rate (based upon which the premium is calculated) would be different from that of a private passenger vehicle.

Therefore, the insurer would be assuming a different level of risk for which it is not compensated. Consequently, there may be no coverage. If the collision was not your fault and the other party had liability coverage, the modifications to your vehicle would be of little significance.

You would generally be entitled to the payment of the reasonable cost of repairing your vehicle. Additionally, you would generally be entitled to "loss of use" damages to reimburse you for the inability to use the vehicle while the vehicle was being repaired. Many states require an insurer to determine the vehicle to be a "total loss" if damages exceed a stated percentage of the actual cash value of it.

If that point is reached, the insurer would likely offer you that which it believes is the actual cash value. That amount is often negotiable and is based on market values of vehicles of like kind and quality. In that respect, the equipment on your vehicle at the time of the collision is important to account for as it will enter into the calculation.

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