BTW...don't know if Insurance law in USA is similar to that in UK ie 'Uberrima fides'...of the utmost good faith.

In other words...if you change the breaking spec from that previously informed eg OEM ... like fitting different types of rotors / callipers etc...you had better advise your motor insurer, for if a claim arises... your insurance is voidable.

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One should treat others as one would like others to treat oneself.