I've got USAA and I haven't wanted to ask them about mods. I've got full coverage w/ them...I know last time I had to file a claim - old car - they asked if the bumpers and everything were OEM because they'd have to adjust cost based on that.

If you could explain more I'd appreciate it. Do you personally have extra mods covered on there, or do you just know for a fact that they'll cover everything under "full coverage".