Not the Montana, but a number of years ago while towing a small utility trailer with my ATV in it someone ran into the back of that trailer. It wasn’t an overly hard hit but the back of the trailer was pushed in some which in turn pushed the ATV into the front of the trailer. And the trailer tongue was bent and deformed as it pushed into and bent my factory truck hitch. No damage to the truck itself. The trailer was a loss. But the ATV had primarily superficial scratches and some very minor dents in the front brush guard.
I gave the insurance company estimates from body shop for damage to the truck, estimate from motorcycle/ATV shop for ATV damage, and estimate for the value of the trailer. Insurance company paid body shop for the truck repair. They gave me a check for the trailer and ATV estimates. I bought a new trailer, but the ATV still has those scratches.
As for opening up the rear cap, I introduced my rear cap to a steel column on tailswing and did major damage to the cap. Pulled completely loose on one side and fiberglass major tears in two places. Took to an RV repair shop with very good ratings (not a dealer). Choice was wait several months for a new cap, or that shop remove and repair my damaged one. They had the fiberglass repair expertise to do that. 3 weeks after dropping it off I got it back looking new inside and out.