Dorkiphus.net - Insurance canceled because of roll bar

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Quote:

Originally Posted by John Clay (Post 473393)

If you roll over on the street and the BK extension keeps your head from being the first contact point with the ground, that's probably good. If you are in a non-rollover crash and your head hits an unpadded BK extension, that's probably bad.

Ok, this and what Jazz says makes sense, but in my example its a properly installed device.

As it happens, my bar is padded. I fully understand that if it were to break off, or if a body were thrown against it where the padding isn't, its a problem. But the same is true of any piece of metal the manufacture "installed" in the original car. At some point we're beginning to split hairs over who's responsible for what.

The whole point of insurance is to mitigate the cost of accidents to the consumer, not the risk of injuries.

In a Boxster roll over, I'm more concerned about all the metal rails and such in the convertible top, suddenly becoming a swarm of random spears....

No knowledge of the industry at all, but I suspect insurance companies may think folks will wreck their cars on track, then claim it happened on the street.

Even with padding on a roll bar, it is an "intrusion" in the relatively smooth stock interior. Smooth interior, your noggin slides along to some degree, coming across even a padded roll bar will stop the noggin whilst the rest of you and your neck are nicely twisted!! Look at Good Hands video and see how much a driver with full safety gear, six point, side nets, halo seat etc moves, admittedly at slightly faster than normal street speeds. If no helmet, the 3 point seat belt allows one to move within an area that is relatively smooth. Roll over street accidents are much rarer than side, rear, front impacts.
Dirk

Quote:

Originally Posted by good hands (Post 473171)

This thread is a great example of why you should use a trusted agent. Conversations can be " off the record " about most scenarios. If you call USAA or Geico or Progressive anything you say is documented and can and will be used against you.

To the original poster I would like to know how and why the company found out about the roll bar if you have an agent ? If someone calls to add a car to their policy I would never even ask about a roll bar ( for the record anyway )

In a lot of cases you'd just need to walk around the pits :p

Quote:

Originally Posted by John Clay (Post 473393)

If your head hits anything in your car, even if parked it's going to hurt. Add speed and it will hurt more.

The roll cage in my Targa (padded) felt a lot milder then the steel at the edges of the Targa top.

OK, I don't like it, but what I'm reading here makes some sense about how modifications aren't always a good thing for regular street use.

But I also think there is a big gray area where it seems they maybe throwing the baby out with the bath water too. Its unfortunate, but all the more reason to drive safely too.

Quote:

Originally Posted by joep (Post 473469)

OK, I don't like, but what I reading here makes some sense about how modifications aren't always a good thing for regular street use.

But I also think there is a big gray area where it seems they maybe throwing the baby out with the bath water too. Its unfortunate, but all the more reason to drive safely too.

In this case I suspect that it is also a matter of reducing financial exposure based on perceived intent of use. Most people don't install a roll bar for street use; I can imagine the company thinking that by putting one in it surely means you're up to something risky, including wanting to protect yourself when going fast, and probably on a racetrack.