i checked on the legality and was told there is nothing that targets the wheel bolt pattern specifically. it does fall under something they call altered safety equipment, which negates coverage in the event of an accident. hardly seems fair. in reality tho it would be up to an adjuster to note the change and follow up on it, which is rarely the case. another example of the same thing would be installing and using a racing seat harness on a street car instead of the oem belt, again it negates the insurance.
it appears to be mostly a technicality issue allowing our singular monolithic communist insurance provider a way out of paying.
the other hassel is tire shops here won't touch it.
tire shops won't mount a tire on a rim with over lapping pattern nor will they balance it. there's less than a snowball's chance they'd hang it on a car if the tire somehow found it's way on to an overlapping rim. makes zero difference if it's hub centric or not.
for them it's all about liability.
conversely they will mount a fill 'n drill wheel so long as there is only one bolt pattern present, again for whatever reason, being hub centric never enters the equation . they will also mount multiple patterns all day long so long as each hole is separate with no overlap.
learned a bunch about the law regarding car modding here because of this issue. looks like i'm allowed to do nothing over all here lol.

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