there are adjusters who might miss it or might not care. there are some that would.
this is what it boils down to:
when you sign up for insurance, they are insuring a street legal car on public roads. when you remove the crash bar, which is part of the crash protection system, it is IMMEDIATELY federally ILLEGAL. period. end of discussion.
by breaking the contract you SIGNED when you purchased insurance, they have the right not to cover anything under their policy. your car, you, any passengers, or anyone affected by your own negligence if you are 1% responsible. its in the paperwork, i GUARANTEE IT.
and yeah, if you wreck the crash bar, a MSP would be totalled, almost definitely. but the reason you buy insurance isnt so you can get service after a $500 deductible, its so youre not forking over thousands of dollars in medical bills for yourself or another motorist. so if youre in a no-fault state, you get hit by someone who blew a red light, and you break your arm, enjoy your $7000 in medical bills. and enjoy it when they dont renew your policy. and when other companies wont insure you because youre flagged. god forbid you have serious personal injury, because youll be paying it OUT OF POCKET.
thats it. im ******* tired of having this discussion.