how does insurance work regarding a swap? my parents keep on bitching bout me getting a non smoggable engine into my car and saying if i get into a big ass colision insurance wont cover the damages. but from wat i heard insurance has to cover it but they just wont buy me the same motor as i lost. how exactly does it work anybody knoe? i dont care bout the insurance but dont wanna hear perents bitching cuz they did buy me the car. help me out guys. parents claim insurance covers my car with my SOHC motor so if i swap without telling them then they wont cover it. i dont wanna ask my insurance comapany.