Insurance YA. We to have laws about making nonstock changes to your vehicle. The biggest problem is that each state has it own laws so it's possabile to have 50 diff/ laws covering the same parts. Vehicle exhaust is one of the big examples. Some states go by how much noise - will it pass polution stander - No mods if the vehicle is less than 5 years old - and the list go's on and on. My insurance company only will cover stock vehicle value and parts so any changes I have to cover $ to replace.