So obviously we wouldnt be telling our insurance companies about performance stuff like this since no one wants to pay a higher premium. So has anyone here had an accidental fender bender or something similar, had to bring it to get repaired where an insurance adjuster was present and BAM

... they saw your performance upgrades and either raised your rates or dropped you flat...
Is so, what was your rate before and after they saw the mods, and what mods did they see