[joep]

Originally Posted by John Clay

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.