Quote Originally Posted by VifferFun View Post
I would be very surprised if any company would deny your claim because of an undisclosed fender eliminator (or even a slip-on exhaust for that matter). I wouldn't expect to receive a settlement for the upgrade values, but I'm pretty sure that you would at least be compensated for the stock value of the bike. The mods that insurance companies particularly don't like are ones that alter the performance and/or compromise safety (eg. Turbo, Supercharger, Engine Swap, etc.)
I believe most of those fender eliminators are not legal, but I'm just being devils advocate. The only thing that I could see happening would be if you got rearended and the turn signal or brake light visibility was put into question.......but I doubt anything would come of it.