Which group of individuals is likely to be most affected by modifications to a vehicle?

The group most affected by modifications to a vehicle is typically comprised of individuals with basic auto insurance only. Basic auto insurance often provides limited coverage and may not account for changes in the vehicle's value or the increased risk associated with modifications. When a vehicle is altered—whether through performance enhancements or aesthetic changes—its insurance needs can change significantly.

Individuals with only basic coverage may not recognize that these modifications could lead to gaps in coverage or increased premiums due to higher risk. Without proper insurance adjustments to reflect the modifications, they may face financial losses in the event of an accident or theft, where the modified vehicle’s actual value exceeds what basic coverage provides.

In contrast, individuals who frequently travel, younger/new drivers, or all vehicle owners may have varying impacts from modifications but are generally not as affected in their insurance-related consequences as those with only basic coverage. They might be more aware of their coverage needs or have policies that are more adaptive to changes in their vehicles.