[mjposner]

The law basically states that the modification has to be the reasonable cause of the damage to exclude coverage. Charge pipe = more power (possibly) which stresses driveline and therefore more likely to fail. Also, "I had removed my JB4 and my downpipes.." so I wanted to prevent warranty company knowing other mods (which any decent rep would suspect).

So your choices:

1. Don't performance mod if you want coverage

2. Get performance mods that include warranty ala Dinan

3. Work with SA and dealership selling warranty to confirm mods will not be excluded

4. Remove mods before service (which is insurance fraud)

5. Bank warranty money (odds are you come out ahead, but risk of big loss on you)

On the other side, 37k for that car seems way steep. Mods add little to know value imho, and most 15's are going south of $35k