insurance adjusters are assholes pardon my language, i've told my story of how the adjuster lectured me on my driving and tried to hold me 100% at fault for me dodging a skid that fell off the side of a flatbed, note as i swerved the rear quarter slightly nicked the package and my car spun out and smacked the concrete median. apparently in her opinion i should have been able to dodge the package completely ignoring the fact that the cops did in fact charge the truck with unsafe loading or something like that. even after speaking with the witnesses, they still held me 100% at fault why? cause they didn't have the license plates of the truck. She even went as far to say "We're gonna hold you 100% at fault until we find out the info from the truck, then we will put the fault on him". that being said..
they'll find anything they can wrong with ur car. in my opininion, if you get in a collision, remove the HiD kit, pop the stock halogens back in and boom. I don't see how an adjuster or tech would miss the fact that ur HIDs are aftermarket, with the relay running from the battery and what not. or the wire taps/spliced wires u used to the signal wires and such.