Private car external long antenna modified into a shark fin antenna after the vehicle accident insurance company to pay?

Insurance provisions, because the vehicle modification caused by the increase in the degree of danger need to inform the insurance company, the insurance company in this case will only compensate for the traffic insurance (death and disability 110,000, medical 10,000, property 2000). You know what you are talking about is the car crashed or shark antenna broken or antenna hanging onto someone's something.