Poison Spyder BFH / Crawler Conceptz skinny rear bumper

Dcdawg

Dcdawg

New member
Anyone have reservations about cutting out your rear cross member? Really like the look of these bumpers but seems like a really bad idea to cut out the only cross member in the rear of your Jeep frame?
 
Yeah, I have reservations, and won't do it. When I get rear ended and the insurance adjuster look under there, I don't want him to see a mangled frame. Nope. Not doing it.
 
What you are replacing it with is much thicker metal and tougher then what you are removing. I spent a lot of time trying to save as much of the cross member as I could when installing a CC skinny rear bumper. In the end there was so little of it left, I ended up removing it all. I pull a M1101 trailer with it without a problem.
 
Desert Crawler said:
What you are replacing it with is much thicker metal and tougher then what you are removing. I spent a lot of time trying to save as much of the cross member as I could when installing a CC skinny rear bumper. In the end there was so little of it left, I ended up removing it all. I pull a M1101 trailer with it without a problem.
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Structurally I'm sure it's fine, but as I stated, if you get in an accident and an adjuster sees a hacked up frame, you are screwed. If it is a trail only rig, I wouldn't have a problem doing it.
 
I'm sure you are right but after cutting, grinding, and reprinting I would wager that 99% of insurance adjusters would never know it was there in the first place. I can't comment on other's but mine definatly does not look hacked at all. Things may be a little different where you are, but in my neck of the woods you would be hard pressed to even find a adjuster that would be willing to crawl under a vehicle.
 
swampdog said:
Structurally I'm sure it's fine, but as I stated, if you get in an accident and an adjuster sees a hacked up frame, you are screwed. If it is a trail only rig, I wouldn't have a problem doing it.
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swampdog said:
Yeah, I have reservations, and won't do it. When I get rear ended and the insurance adjuster look under there, I don't want him to see a mangled frame. Nope. Not doing it.
Click to expand...

Desert Crawler said:
I'm sure you are right but after cutting, grinding, and reprinting I would wager that 99% of insurance adjusters would never know it was there in the first place. I can't comment on other's but mine definatly does not look hacked at all. Things may be a little different where you are, but in my neck of the woods you would be hard pressed to even find a adjuster that would be willing to crawl under a vehicle.
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Guys,

Being an insurance adjuster over almost 20 years, I have seen it all. Trust me, we would be able to tell. The issue at hand though, has no bearing. The insured pays for coverage of his/her vehicle. Whether he/she decides to alter said vehicle is completely up to that person. One of the things the adjuster has to consider is whether the vehicle is repairable or not. Salvages laws in each state are different. For example, in Nevada, if 5 components require replacement, the vehicle is automatically deemed a total loss by your insurance company (N.R.S. 482.098) or the total cost of repairs without refinish exceeds 65% of the market value of the vehicle (N.R.S. 487.790). So did cutting your frame down increase the chances of it being deemed a total loss? That is difficult to determine. And it just would not matter. The fair market value and whether you had to replace the conventional frame and one major component would determine it being defined as a "total loss".

I have written several estimates for the repair of a vehicle when the frame was replaced. The car came out completely fine. In fact, the replacement of the frame was about 15 hours mechanical. No big deal really.

However, you can look up the information here for your own state: https://www.mwl-law.com/wp-content/uploads/2015/06/00175247.pdf
 
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