You guys know that the insurance company will neither know about, or give a flying crap about the lightweight bumper beam right?
Why do you people keep spouting crap about insurance laws anyway? None of you have ever known what you are talking about. The insurance company doesnt care what is done to your car as long as it is registered an insured.
They arent any more likely to drop you, and they arent going to not cover the accident because of it.
Where do you people even come up with this crap
Also, in a bad accident, that beam is going to do exactly dick. Any impact hard enough to damage the beam like you guys are talking about is going to bend the frame anyway.