Quote:
Originally Posted by JD6
I imagine that in a large majority of claims they wouldn't detect it, or even try to, and that probably fits with most people's experience where the claim is for a few thousand or less.
The larger the claim though, the greater their incentive to find a way to reduce or remove their responsibility. If someone is injured in an accident, the costs could be orders of magnitude higher - potentially 6 or 7 figures. Faced with a potential bill like that, I imagine that they'll go over the car with a fine-toothed comb. So personally, I will always declare mods.
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I suppose if someone drives recklessly then they could argue it, but if you drive sensibly and stick to the speed limits at all times, there's no way it's a contributing factor to any accident.