My friend currently has a modded car insured with TD. TD MM offers the best rates as most people know....but they had explicitly stated on the phone that they will deny a claim if they find out the car has aftermarket performance mods on it.
He doesn't really care for the value of the car, if it gets totaled, it gets totaled...but what if he damages public property or a person, does TD have a right not to cover any of those 3rd party damages either? In short, can TD deny 3rd party coverage if they determine that you have misrepresented your vehicle?
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