IMS bearing inspection

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Yes you could just remove the cover and look but it won't tell you much. If I lived in the UK where there was a high probability of moisture intrusion into the bearing, changing it would be a no-brainer. The actual failure rate is guesstimated at between 2-5% of all m96 motors produced so odds are in your favor. Compare the cost of changing the bearing vs the cost of depreciation if you owned a 2009 and it might be easier to swallow.