[paolo]

I highly doubt insurance claim would differ. Basically, if your insurance company wanted to put a clause in your policy about this, then they have to contact everyone on their list who bought a US spec car after 1991 that did not have DRL's from the factory and notify them to spend money on upgrading their vehicle so they are DRL compliant.

I dont really see this happening. Also wanted to say that If your dumb enough to forget to turn on your low beam headlights at night time, then you probaly deserve a ticket.