yeah, good luck with that one. "But sir, my illegal modification that has made the vehicle unroadworthy and hence it needs to be recomplied with an engineers certificate that I do not have and a certificate of re-compliance that I also do not have did not cause the accident"
Response by Judge in court: "Duly noted but if your illegal, unroadworthy vehicle was not on the road to begin with due to being illegally modified without compliance, there wouldn't have been a crash (they aren't accidents) that you would have been involved in and instead of listening to you making excuses, I could be playing golf..."
It's not just your personal insurance, your local roads authority (here in Vic it's the TAC) will not cover any injury that occurs to you and sometimes they can also take you to court to recover the costs of any injury and associated rehabilitation as well as compensation for any other party involved.
Run the risk by all means but if you crash into me, to quote full metal jacket "I will gouge out your eyeballs and skull-f**k you", to put it nicely.
I mod my car yes, I wear the implications with warranty yes. BUT! NEVER WILL I MODIFY MY VEHICLE TO THE DETRIMENT TO MY SAFETY, THE SAFETY OF MY PASSENGERS AND/OR THE SAFETY OF OTHER ROAD USERS.
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