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I just spoke with Greg also and you all are correct as is the underwriter. The "Roll Over Bar" was a dealer installed option only and not from the factory.
It seems problematic to object to the bar being installed on the car, but it's their game and their rules. I'll keep checking the previous company has terminated coverage as they are getting out of the Collector Car Business.
I'll check with Parish and a few others. Thank for clearing up the misconception. Jim