[gambiting]

>> How about insurance, when there is an accident?

The insurance company would need to demonstrate that you've had an accident because of your modification. Just them being present doesn't invalidate anything.

However, in the real world, you can bet that they would try - you'd probably win in the court of law, but it's a risk.

[prmoustache]

Do you really think any insurance "expert" would look for that?

From my experience unless the car has some kind of self driving stuff they just check with a mechanic the state of the car to see if it is totalled or can be repaired. Unless there are wires going out of the car there is no reason they would even check the os of the dashboard console[1]

[1] I refuse to use infotainment word, it is so unappropriate.

[pvaldes]

They don't need to look for a hack, just its trace.

If the accident is any serious, both insurance companies will routinely buy the info sent by default to the maker by that model; In particular speed and location info.

If the info is suspiciously absent (because somebody hacked their car to stop sending it), the insurance companies will enter in red-alert mode, and will find how to get themselves out of the problem.

Sent info can be used against you, but also could benefit your insurance company to win the case. Is not always white or black. The main goal of insurance companies will be to protect themselves, but the secondary goal will be to protect you, the client, from potentially serious legal consequences. If both insurance companies are the same, they could team against the vehicle with less clear data.

[gambiting]

>>Do you really think any insurance "expert" would look for that?

"Probably not". Probably is the key word here. I've seen insurance companies go to absolutely ridiculous lengths to deny a claim, so I honestly wouldn't put anything past them.