This why I don’t buy used atvs

A buddy of mine traded a big ole boat for a 2009 rzr 800 without having it really checked out by someone that knows what there looking for. Well he got it home and rode it for a hour around his house and BOOM! Engine lost power and made a bad chattering noise and now it’s locked tighter than a drum. The bad thing is he thinks his insurance will cover it. This is the reason I dont buy used stuff unless I really know the owner. I think he’s got a expensive repair ahead of him.