[olddog]

As far as home built verses factory roller, I see both sides. Yes there are idiots among us, but they are not the majority. Cobra kits can vary widely, but most are well designed and mostly require getting the bolts propperly tightened. I really doubt there are many accidents due to poorly assembled kits. Equally I would bet there have been a few factory assembled cars with some mistakes. I doubt this is a huge factor one way or the other.

Unfortunately the data given is too small a group to be statistically useful. Only seven claims out who knows how many insured Cobras.