I have heard stories of drivers of modified vehicles being found at fault for accidents that they had not caused--but that ended up being worse due to things like bumper heights that exceeded state maximums, etc. From my perspective, it is worth it to find out if a rig is in compliance or out of compliance, both for legal protection and to maintain insurance coverage.
This was one of my considerations when I made a decision regarding my 4x4 conversion. We have a collection of really talented folks who have designed a variety of conversions for our vans. They are all different, and they all have their benefits and their drawbacks. One of the considerations, for me, was if the conversion was an authorized Ford upfit, and if the provider carried appropriate product liability insurance. These two things would protect me from liability for an "out of spec" modification in the event of an accident, and they would prevent an insurance company from denying coverage due to unapproved mods.
I believe there are many things to consider with any van conversion; many benefits and drawbacks with every decision we make. My goal, with my rig, is to be conscious of the potential impacts of every choice I make, and to select the choice-impact couplings that maximize my experience, given my use case. It is, of course, different for each person.
OMG, the Silver Streak is Sold!
2006 SMB EB45ish.
5.4L, QuadVan 4x4
Ready to Rumble!