[sybir]

Your friend has incomplete information and is using a scare tactic becuase he doesn't understand the purpose behind modding a car.

That statement is just as vague............

There are some things, like removing airbags, that can cause problems with insurance if they're not already declared on the policy. I have a difficult time seeing an insurance company denying a claim becuase of a lowered car or a bigger turbo.

However, if you put on aftermarket fuel rails without any external protection, and a passenger is injured becuase of an engine fire, your insurance company might have grounds to deny your coverage because you circumvented safety mechanisms. Same with cutting up your bumper beam for a front mount.

Those are just some examples, but I'd think every situation is going to be different. What specifically are you worried about?