Do all wheel bearings on the front have to have a spring clip?

[dy8tes]

I hit a deer a month ago and went in and out of a ditch on the right side of the road. The deer did some body damage (around $6000.00) I experienced sensor issues that day. ABS, 4x4, DSC, I took to a local body shop for repairs and they could not reset the sensors and still waiting on the insurance adjuster to do his job. The same alarms keep coming up on the dash. They now have the X5 at a BMW Dealership. The dealership now is saying the alarms are being caused because of the right front wheel bearing and for some reason the bearing didn't have a spring clip and that was causing the issues. I had no issues prior to this involvement with the deer. Just worried that I am getting taken for a ride on the wheel bearing issue and it might not be covered by the insurance. Do all wheel bearings on the front have to have a spring clip?

Thanks
Don