... But what are the chances that they will be able to prove that your low beams blinded them?
It may be as simple as one of the drivers complains to the police that he was blinded by your lights. I’d expect the police would then take a look at your controls (to see if you had high beams on) and at your globes (since they know lots of people run LED/HId adapter globes). If they notice anything illegal, not sure what they’d do bu5 I suspect they could ping you for driving an unroadworthy vehicle... and such will hurt as insurance would find out and not pay...
Even if your not pinged, if it’s a very costly claim for the insurance company, it won’t be a junior insurance clerk that looks into it; the big guns would be bought out for this claim and they’d quickly find out from police or other party that your lights blinded them... they’d have access to the wreck and can then inspect it themselves... it there is any whiff of illegality in the vehicle, the policy claim can be easily denied...
But as you say we probably don’t have Chiron‘s and Verona‘s and other multi million $ cars running about but there are a surprising number of 1/2 million dollar cars on our roads on sunny days...
Yes the start would have to line up in a bad way and you’d be rather unlucky but sometimes **** happens
Me, as a fossil, I’ve had car insurance forever and actually paid more in premiums that the three claims I’ve made (two thefts and a writeoff). But I still buy insurance every year, so it all comes down to how one measures risk/reward
...DIY your first bulb change - that should make the decision a LOT more easier
For me the very small risk of having a crash and the smaller risk of having insurance denied cause I crashed into 1/2 million dollar car is not worth the slight improvements in LED/HId adapter globe upgrades (as I don’t drive much at night).
But that may change when the OEM globes die where replacing them is a pain and needs to be frequently done due to aftermarket globes not lasting like the OEM’s
I might try some LEDs with the high beam headlamp as i believe that is legal in most states