Man, I would never modify the crash structure of vehicle as small as ours that I drive on the street. My opinion below (no direct experience with your question). If you go that route I'd suggest painting it black and understand that if you lie about not having aftermarket parts on your car that could be considered fraud which could result in serious fines/jail time. If you don't want to go that route you could always gamble on the fact that most adjusters don't know anything about cars and that they might not notice. Your coverage will likely cost more due to my reasons above but at least you'll know you're covered. It is also worth mentioning that there are insurance carriers out there that cater to modified cars and that if you notify them in advance of the mod they will be ok with it and cover it. Therefore, in installing it you are doing so at your own risk. (I'm not bashing the product but stating a fact.) The DHM crash bar may, in fact, be safer but there is no data available to prove this. The DHM crash bar was made by some guys in a garage and was never tested. The factory crash bar has been tested rigorously to prove that your car is safe and went through hundreds of different crashes to prove this. In installing the crash bar you are altering safety systems designed to keep you safe in the event of an accident. I'm sure I'll catch a lot of flack for this but yes your insurance company will likely deny a claim if you have an aftermarket crash bar installed. I already know it's meant for "off road use only," and it's not "dot approved." I haven't cleaned it up yet, but I need to do that and then planned on installing, but wanted to get input of people who may have actual experience in the insurance adjuster field or who have dealt with it directly. I was on the fence about picking one up, but then one came available for sale in my local area and I jumped on it. So I'm curious to know, does anyone have any actual real world experience with an insurance company denying a claim or attempting to deny a claim in an incident where someone had an aftermarket crash bar installed? If so, what company and how did you approach the matter?Īlso, I think I've only seen pictures of one car that got into a front end accident with a crash bar in place, has anyone else unfortunately had an accident involving one? How did the car hold up and what were the details of the accident? Ok so I guess this could apply to the Davinci Crash bar as well, but I have read a variety of different things going back and forth about the topic of installing a DHM crash bar and dealing with insurance in the event of an accident.
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