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Motorcycle Insurance Let's list our insurance companies here, what we pay them and if your experience with a certain company has been good or bad.

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post #1 of 21 (permalink) Old 04-06-2014, 10:34 AM Thread Starter
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Bike just crashed

My cousin just crashed me 07 RG. How does this work. Like do they give kbb? Is it trade value? Retail? Coverage for a rider not you?


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post #2 of 21 (permalink) Old 04-06-2014, 10:44 AM
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Insurance will come out and figure out the cost of damages to determine value. If you have and mods done to the bike then get all of your receipts for everything. One more very important piece of advise would be NOT to cash any checks the insurance company gives you til you are completely satisfied. Once the check has been cashed the company considers it to be case closed and it will be very hard to get more money from them if any other damages pop up in the repair process which will always happen

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post #3 of 21 (permalink) Old 04-06-2014, 10:57 AM
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How tangled is it? my Ins covers the bike (doesn't matter who the rider is) and pass injuries to limits. Contact with ground (object) or object contact decides deductable, comp or coll.
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post #4 of 21 (permalink) Old 04-06-2014, 11:21 AM
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Did he get hurt ? Did the police show up ? I wouldn't tell the insurance co. Someone else wrecked my bike if I didn't have to.

Insurance companies usually replace at around , when damages exceeds 80% of
The value

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post #5 of 21 (permalink) Old 04-06-2014, 12:04 PM
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Check your policy to make sure he is covered. A friend wrecked my dad's 4wheeler. The insurance company cut my dad a check for the claim and said they were going to use subrogation to recover the damages. He told them to keep their check and canceled the claim.

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post #6 of 21 (permalink) Old 04-06-2014, 12:54 PM Thread Starter
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What kbb value of they use? Trade in, retail?

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post #7 of 21 (permalink) Old 04-06-2014, 04:38 PM
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You probably won't get retail.

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post #8 of 21 (permalink) Old 04-06-2014, 04:49 PM
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You can argue with them and get replacement value plus your accessories. I list all my accessories with my bank and insurance company just in case anything were to ever happen. Makes it a lot smoother


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post #9 of 21 (permalink) Old 04-06-2014, 05:40 PM Thread Starter
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What value do they use. Does anyone know? Has anyone had experience?

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post #10 of 21 (permalink) Old 04-06-2014, 05:48 PM
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I'm in the car business and it varies by which insurance company and what state. You can go to NADA and KBB and book it out yourself for free. There sopose to go off retail minus your deductible. Then add your accessories and deduct approximately 25% cause accessories are used. But 90% of insurance companies will pay replacement cost. For instance i had a 2004 Nissian maxima loaded with 38000 miles on it in 2010. Book value was only 12500. I fought that cause the only one i found was 1400 miles away and was exactly the same car with 5000 more miles. Was selling for 18999. They offered me 12500 and I refused. I said here is the exact car i found. So buy it for me and were all good. I ended up getting 18125 . Just be prepared and you'll be fine


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