Roll bar damage
Over the weekend I tipped my 2017 X3 XRS on the passenger side (1/4 roll). The shock reservoir (on the diagonal rear support bar that is welded to the roll bar via a plate) took the brunt of the impact. This resulted in the above referenced plate bending, but not detaching, as illustrated in the attached photos.
Well-intentioned riding buddies have suggested everything from "pound it back in place and reweld" to "it's a write-off, call your insurance" and everything in between. I'm looking for CONSTRUCTIVE input from the community on the pros and cons of fixing it versus replacing the entire roll bar assembly. I know that a complete replacement with a high end aftermarket roll cage is the safest option and will result in an upgraded rig. However, I don't want to overlook the option of removing the plate, realigning the bar and reattaching with a new plate. There does not appear to be any damage to the cage itself, so I don't know that the structural integrity of the existing cage has been compromised.
Anyone been through a similar experience? If so, what options did you weigh and what did you ultimately do?
![Hood Motor vehicle Automotive tire Automotive design Automotive exterior]()
![Hood Motor vehicle Automotive lighting Automotive tire Vehicle]()
![Wheel Bicycle frame Bicycle handlebar Tire Automotive tire]()
Well-intentioned riding buddies have suggested everything from "pound it back in place and reweld" to "it's a write-off, call your insurance" and everything in between. I'm looking for CONSTRUCTIVE input from the community on the pros and cons of fixing it versus replacing the entire roll bar assembly. I know that a complete replacement with a high end aftermarket roll cage is the safest option and will result in an upgraded rig. However, I don't want to overlook the option of removing the plate, realigning the bar and reattaching with a new plate. There does not appear to be any damage to the cage itself, so I don't know that the structural integrity of the existing cage has been compromised.
Anyone been through a similar experience? If so, what options did you weigh and what did you ultimately do?
21 - 40 of 131 Posts
Well I guess our experiences are different, or had a different outcome. My advice is solid.
I call bullshit your rates went up for one at fault accident.Well I guess our experiences are different, or had a different outcome. My advice is solid.
I deal with insurance companies and claims for a living.
I have NEVER seen a customers insurance rates go up across the board for one at fault claim.
I have helped probably 5 or 6 guys on this forum alone navigate a claim in their sxs. Let's see if one days his rates went up for one claim.
In addition to dealing with insurance claims for a living I have dealt with two claims in an 8 year period and NO rate increases risk based.
Tim
you can call BS all you want... That was NOT my experience... My advice still stands..
Your vast experience is clearly the standard here.you can call BS all you want... That was NOT my experience... My advice still stands..
Help him with his claim since you know so much.
Clearly you're an insurance claim specialist.
Let him know what to expect and what due diligence he needs to exercise and what documentation he'll need to maximize all the benefits of his policy.
I'm sure he will benefit from your keen understanding of a claim.
Tim
Your vast experience is clearly the standard here.
Help him with his claim since you know so much.
Clearly you're an insurance claim specialist.
Let him know what to expect and what due diligence he needs to exercise and what documentation he'll need to maximize all the benefits of his policy.
I'm sure he will benefit from your keen understanding of a claim.
Tim
Wow so defensive... interesting...
He asked for someone who has been through the same kind of damage and asked for first hand experience and thoughts.. I gave him that. Nothing I wrote is bad advice and is accurate from my personal experience.
Why would I help him with his claim? that sounds like something YOU SHOULD BE DOING, being you know the inside and out of all this.... at this point I have not even recommended to file a claim until all the damage is know (an other details)
Next time I have an issue I will be sure you check with you first so you can "steer" me in the right direction. (thanks, in advance)
Why do you keep saying "ONE" "at fault" claim... do you know something we don't? Maybe he has had some bad luck recently and this would not be his first.... would that THEN have an effect on his rates? would those only effect his SXS policy or also his auto policy too??
Trying to learn here.
I'm not defensive I just know what I'm talking about.Wow so defensive... interesting...
He asked for someone who has been through the same kind of damage and asked for first hand experience and thoughts.. I gave him that. Nothing I wrote is bad advice and is accurate from my personal experience.
Why would I help him with his claim? that sounds like something YOU SHOULD BE DOING, being you know the inside and out of all this.... at this point I have not even recommended to file a claim until all the damage is know (an other details)
Next time I have an issue I will be sure you check with you first so you can "steer" me in the right direction. (thanks, in advance)
Why do you keep saying "ONE" "at fault" claim... do you know something we don't? Maybe he has had some bad luck recently and this would not be his first.... would that THEN have an effect on his rates? would those only effect his SXS policy or also his auto policy too??
Trying to learn here.
I made the very CLEAR statement one claim...
You made the statement his rates would go up. You're making statements based on your limited experience.
Use your brain it's really not hard.
I have helped numerous guys on here when they ask. It's not my job so to say I should shows your imited ability to use reason.
You give advice with VERY little real world experience... I am giving information based on my career and personal experiences.
Also if you check with me you would be better off unfortunately you're clearly not one for listening.
If you really wanted to learn you'd be asking questions and not asseting your advice that by your own admission is limited. Also if you're learning don't give advice. Pretty simple logic.
Tim
ok cool... please share so we ALL can learn something here...I'm not defensive I just know what I'm talking about.
I made the very CLEAR statement one claim...
You made the statement his rates would go up. You're making statements based on your limited experience.
Use your brain it's really not hard.
I have helped numerous guys on here when they ask. It's not my job so to say I should shows your imited ability to use reason.
You give advice with VERY little real world experience... I am giving information based on my career and personal experiences.
Also if you check with me you would be better off unfortunately you're clearly not one for listening.
If you really wanted to learn you'd be asking questions and not asseting your advice that by your own admission is limited. Also if you're learning don't give advice. Pretty simple logic.
Tim
he asked for personal experience, i gave it to him... NONE OF IT BAD! do you disagree???
If you know so much, then why don't you answer my questions instead of side stepping them, all while tooting your own horn?? (I didn't know you were THAT FLEXIBLE, makes sense now)
SO, Do you KNOW if he has only 1 claim? I did NOT see that brought up from him.
If this was NOT his first, would that have an effect on his rates? would this increase only apply to his SXS policy? How about is auto polices? if so, how long would those increased rates be in effect? how about any other polices (home owners for example)? You see the question marks???? Those are specific questions... maybe you could use you HEAD and would be kind enough to share some of your VAST knowledge on the subject?
"Help him with his claim since you know so much" and " It's not my job so to say I should shows your imited ability to use reason. " ---- I know, but its ok for YOU to INSIST that I do it... SMH........ Hi Pot!!! its me KETTLE!!!!
How many more questions do you want me to KEEP ASKING.... just for you to NOT address them when you CLEARLY have ALL THE ANSWERS!!! (at least in regards to this topic)
Still here to learn, just not sure you are here to teach....
You purchase comp and liability insurance for a reason, when an accident happens.
If you feel your premium will rise after your first claim, contact them to find out.
The cost of out of pocket repair in this case will most likey way exceed any rate increase.
There's a lot of expensive damage going on there, both parts and labor, possibly much more than seen iin the pics.
Even if it did happen to raise on your first claim (which it shouldn't)
If you're not going to use comp insurance, why purchase it?
If you feel your premium will rise after your first claim, contact them to find out.
The cost of out of pocket repair in this case will most likey way exceed any rate increase.
There's a lot of expensive damage going on there, both parts and labor, possibly much more than seen iin the pics.
Even if it did happen to raise on your first claim (which it shouldn't)
If you're not going to use comp insurance, why purchase it?
Exactly.You purchase comp and liability insurance for a reason, when an accident happens.
If you feel your premium will rise after your first claim, contact them to find out.
The cost of out of pocket repair in this case will most likey way exceed any rate increase.
There's a lot of expensive damage going on there, both parts and labor, possibly much more than seen iin the pics.
Even if it did happen to raise on your first claim (which it shouldn't)
If you're not going to use comp insurance, why purchase it?
On GD .com and even here I've heard the mantra basically saying " my rates are going up because people like you are filing claims".
Interestingly enough there is some truth to that but it's up to the insured and not anyone else.
The way to decide is to weigh the costs of repair against what you feel financially able to absorb.
Maybe the amount after your deductible is minimal and using your insurance may not make sense for you. Multiple claims can be an issue, one likley not.
So maybe next time it's 10k and then you might regret filing for 1200 when your deductible is 1000.
Either way you pay for insurance so you may want to use it.
First thing to do is to take it to dealer on your own and get a REAL estimate.
That's the starting point.
Tim
There is abuse with SXS insurance claims.Exactly.
On GD .com and even here I've heard the mantra basically saying " my rates are going up because people like you are filing claims".
Interestingly enough there is some truth to that but it's up to the insured and not anyone else.
The way to decide is to weigh the costs of repair against what you feel financially able to absorb.
Maybe the amount after your deductible is minimal and using your insurance may not make sense for you. Multiple claims can be an issue, one likley not.
So maybe next time it's 10k and then you might regret filing for 1200 when your deductible is 1000.
Either way you pay for insurance so you may want to use it.
First thing to do is to take it to dealer on your own and get a REAL estimate.
That's the starting point.
Tim
Too many go out and purposely and unreasonably abuse and wreck their machines to only rely upon their insurace to pay for their neglectful fun.
Those people do pizz me off a bit.....
Or it catches fire mysteriously and they get the new model...There is abuse with SXS insurance claims.
Too many go out and purposely and unreasonably abuse and wreck their machines to only rely upon their insurace to pay for their neglectful fun.
Those people do pizz me off a bit.....
Tim
LMAO!Or it catches fire mysteriously and they get the new model...
Tim
i see you are still avoiding just about all my questions... why not just answer them if you have the answers???Exactly.
On GD .com and even here I've heard the mantra basically saying " my rates are going up because people like you are filing claims".
Interestingly enough there is some truth to that but it's up to the insured and not anyone else.
The way to decide is to weigh the costs of repair against what you feel financially able to absorb.
Maybe the amount after your deductible is minimal and using your insurance may not make sense for you. Multiple claims can be an issue, one likley not.
So maybe next time it's 10k and then you might regret filing for 1200 when your deductible is 1000.
Either way you pay for insurance so you may want to use it.
First thing to do is to take it to dealer on your own and get a REAL estimate.
That's the starting point.
Tim
Something else the OP (original poster) should consider.... some insurance companies might NOT cover "cosmetic damage" to an extent and only cover damage that affects "function" (need to check your policy).. for example, the cosmetic scratches on some panels might not be covered... or the scratched reservoir on the shock/sticker (if it functions properly). however they would likely cover the B pillar black plastic that is torn up (as it not serving its function), roof, tire carrier, cage as their function has been compromised...
I had similar damage and my insurance totaled my x3 without ever even seeing it in person. It did not affect my regular vehicle rates at renewal BUT it did show up when I was shopping rates this year. They did raise my x3 rate by like triple. Still ended up being way worth it in my case though.I would take some of the plastics off and inspect the frame/other damage that might have happened FIRST. Then you will know exactly where you are at and could put a rough "value" on the damage.
your co-pay is pretty high and the headache/possible higher rates down the road might not make turning it in to insurance be the best choice..
Keep in mind your normal automobile insurance WILL LIKELY increase due to this claim.... i think claims effect your rates for like 3 or so years (maybe 5)
You can get a take off oem for a couple hundred... plus a little labor...
I was going to stay out of this thread but since it took a turn……
When I violently rolled my 2018 it was a total loss. I kept impeccable records on that car and submitted everything to the insurance company. My settlement was more than fair. NONE of my other rates went up at all, cars, RV, homeowners, etc however when I got the new car the insurance was higher. Was it because of the loss? Maybe. Or was it because it was a new model and worth much more than my 2108? I don’t know because I didn’t ask or care as I walked away and got a fair settlement.
I’m going with Tim on this one. Your experience may be different due to state, locality, policy type, etc. Perhaps you should have stated that your rates went up across the board IN YOUR SPECIFIC EXPERIENCE and that others may not have that. I’m guessing that would have prevented the derailment of this thread. Just sayin’. Blanket statements are always a cause of angst no matter what the topic.
When I violently rolled my 2018 it was a total loss. I kept impeccable records on that car and submitted everything to the insurance company. My settlement was more than fair. NONE of my other rates went up at all, cars, RV, homeowners, etc however when I got the new car the insurance was higher. Was it because of the loss? Maybe. Or was it because it was a new model and worth much more than my 2108? I don’t know because I didn’t ask or care as I walked away and got a fair settlement.
I’m going with Tim on this one. Your experience may be different due to state, locality, policy type, etc. Perhaps you should have stated that your rates went up across the board IN YOUR SPECIFIC EXPERIENCE and that others may not have that. I’m guessing that would have prevented the derailment of this thread. Just sayin’. Blanket statements are always a cause of angst no matter what the topic.
You're right you win...i see you are still avoiding just about all my questions... why not just answer them if you have the answers???
Tim
My experience... My insurance covered a one mph rollover from a sidehill bypass (interesting story but not now) Minus deductible of course. Got all parts list and book labor rates and hours from the local dealer, actually did the estimate for the insurance adjuster. They wrote me a check and I did the work myself, labor covered my deductible. My policy is written to charge some 'get even increases' for three years on rates and it also has some bonuses for accident free periods,,,It was like $60 for three years since I pay $120/yr on SxS.... I can't remember all the details but called my AGENT and walked thru this with him before I pulled the trigger on claim. After claim done I get new invoice and was given the surcharge on my truck (highest cost unit on policy) Several hundred dollars difference started to cancel the reason I made decision. Called AGENT and he went to work on company underwriters and not only got surcharge adjusted, he got surcharge cancelled as he fought for me that it was not even a moving accident as the sidehill gave way to create the rollover.
Moral of this story to share with any interested ones, is have an AGENT you know and trust who can counsel and advocate for you. It may cost you a little more than online insurance, but it is what I need. I am an old guy who is willing to pay a little more to have a real person that wants/needs my business. He spent the time with me in my situation to go over the rules and guide me and when the big company tried to twist the deal he straightened it out.
Moral of this story to share with any interested ones, is have an AGENT you know and trust who can counsel and advocate for you. It may cost you a little more than online insurance, but it is what I need. I am an old guy who is willing to pay a little more to have a real person that wants/needs my business. He spent the time with me in my situation to go over the rules and guide me and when the big company tried to twist the deal he straightened it out.
21 - 40 of 131 Posts
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