HIDs vs insurance

[andycupra]

If you're that worried about the HID's keep a set up normal bulbs in the car somewhere.

As long as you're not DEAD in a crash, it'll take minutes to remove the bulbs and ballasts. Then in the extreme case they notice the holes in the headlight covers and question it, it's a simple "Oh, I had HID's in, but removed them due to problems"

Of course the chance of them bothering you about it in the first place is minimal, but if you are really worried...

there is of course a massive range of injury from between being fit and healthy after an acident to dead that would prevent you from removing hids after an accident.
In fact, if you killed someone else your car would most likely be impounded anyway.