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I think at the end of the day, it's not a bad idea to see if there is any fine print that mentions you having to report all damages to the insurance. I wouldn't let it worry me, but everyone has a different way of gauging the level of risk they want to take. Personally I haven't heard of this being reinforced(or even existing), so I personally think the risk is very low, but if that worries you... Find a better insurance company.
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Current:
2019 Chevrolet Camaro 2SS 1LE M6 Shock
GM Performance Intake and that's it, because driver mods before car mods
Past:
2009 Mazda RX-8 GT M6 Velocity Red Mica (Sold)
2015 Chevrolet Corvette Z51 2LT M7 Velocity Yellow Tintcoat (Flood totaled)
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