No i dont BUT if i did smack your rail and it was my fault I would man up and pay for it...period.
Now the question is would you pay 9,000 dollars for my quad if you smashed it? would your insurance?
I really dont think I could hurt your rail as much as you could total out my quad in a crash. If that was the case and i was screwing around and I hit you I wouldnt have a problem Paying repair costs.. Now do I do dumb stuff that causes accidents? NO!! if I crash then I would more than likely get real hurt so I dont mess around to much on the quad.
500 lb vs 3000 lb which you think will win?
Capt