Left underbody panel tore. Available for inspection. Exposed wiring, servos, cables, etc. confirmed. Replaced panel at my expense by dealer. Manufacturer notified.Neither will reimburse me. No alerts. Occurred about 3/2/25. Cause: asphalt driveway twig caught in 1-2” gap between front left wheel well liner and underbody panel made from coated cardboard. Note—labeled all terrain vehicle. Defective design: above gap and weak tearable underbody materials.