Thought I would share an experience with Progressive insurance on a previous bike and make a suggestion. Basically you should be careful with what you say to the adjuster and say as little as possible. Here's what happened.
I hired a shipping company to ship my bike to the Dragon and they broke my windshield. The shipping company pays claims based on weight and the pay out was going to be about 60 cents so I filed with Progressive. I had a $500 deductible on the stock bike but also $3,000 of aftermarket accessory with no deductible - THIS IS KEY.
The adjuster came out to the house and took pictures and we talked for a while. He seemed like a nice guy and I told him about a small blemish on the handlebar chrome from the windshield mount but I told him not to worry about that. I should have kept my mouth shut and here's why.
The handlebars were stock equipment and subject to the $500 deductible. Yes, I told him not to worry about it but when he called a few days later to give me the bad news that my deductible would be applied, he said that he must kick in the deductible "because I mentioned it". Are you believing that
Needless to say we had a few choice words and I told him if he can sleep at night after screwing me on a technicality like that then so be it. I guess he thought better of it later because he called me in a few days to say that he talked it over with his manager and they decided to pay me the full amount with no deductible.
Anyway, if something like this happens again, I will answer only the questions asked and not volunteer any additional information. Accessory coverage is good to have and it's cheap. Just be careful not to implicate any stock equipment unless you are prepared to pay the deductible.
I have Diaryland now.