[Intubator]

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?