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Old 11-15-2012, 10:16 AM
cypress's Avatar
cypress cypress is offline
Join Date: May 2012
Location: Cypress TX
Posts: 301
Default Progressive insurance tip

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.
2012 FLTRU - Custom Candy Orange - Dynojet PowerVision - V&H Monster Rounds - FuelMoto Pro Billet A/C

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Old 11-15-2012, 10:37 AM
Flexin's Avatar
Flexin Flexin is offline
Join Date: Oct 2012
Location: Eastern Michigan
Posts: 574

Good info and true, had some experiences also...

Thank you..
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Old 11-15-2012, 10:47 AM
danglide danglide is offline
Grey beard
Join Date: Jun 2012
Location: western Montana,USA
Posts: 1,291

I had progressive on my bike..but I got half the deductible,more overage,towing,etc, for half the price with Geico.

I did have a claim with progressive,but they said if I was doing the work myself,they'd only pay for parts,not labor unless I had my closest dealer do it.

I ended up just cancelling the claim and buying my parts.Not impressed.
2012 FLTRU-Thunderheader,T-max,tuned induction,progressive monotubes,Madstad 16 clear
2002 FXD-T-header+too many mods to list
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Old 11-15-2012, 02:40 PM
JacktheBagger's Avatar
JacktheBagger JacktheBagger is online now
Join Date: Apr 2010
Location: Bama
Posts: 6,631

I put progressive with geico , wouldnt take it if it were free

Dairyland is good peeps they have had my scooter insurance for many many years

So Many Highways So Little Time
2011 Ultra
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Old 05-11-2013, 08:16 PM
h-donut's Avatar
h-donut h-donut is offline
Life Member
Join Date: Jul 2010
Location: Central KY
Posts: 3,630

well, I can say that a 3 year old bike is a lot less expensive than insuring a new one. my rates are starting to fall back in line.

this post has saved me a few bucks and this member section given me a good education on some high and low points.
2010 FLTRX- r o a d g l i d e
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