Your roll bar ironically makes your car potentially safer, if properly engineered, installed and used... If it were to impede you or a passengers ability to exit after a collision or risk head injury then maybe that's why they would exclude it. I would contact the Maryland insurance commissioner and file a report, or at the very least speak with them. I had State Farm years ago and had an issue with them as well, not related to your situation. A letter to the commission detailing the situation followed by a phone call to State Farm resolved the situation within days. Does your policy exclude roll bars specifically?
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Chris Robel
Current:
1987 Carrera Targa 3.4 993SS cams, Smokey Silver Semi-Daily Driver
2006 Cayman S, Guards Red, #11 part time track addict (sometimes #12 or #22)
X-Terra, Blue
Sold:
1970 911 T coupe, Bali Blue
1982 911 SC Targa, Guards Red
1974 914 2.0, Champagne Gold
1982 BMW 528e, White and rusty..
Deceased but not forgotten:
1968 911 sunroof coupe, Black
1972 VW Super Beetle, White
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