I just saw this in my feed I hope you are getting around better. I was trying to keep up with a Rzr 900 in the woods one night I hit a dip that threw me forward my Bazooka party bar kept me in the cab I went head first over the steering wheel into it nearly knocked me out. I was dizzy for hours, 3 weeks later a buddy asked how I was after my accident I had to ask him what he was talking about.
Was your buddy inexperienced with SxS's is that how he lost control?
If mine gets totaled or stolen it's in my policy all my accessories are covered I just have to show receipts I get all the money spent back.