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post #1 of 21 (permalink) Old 07-15-2014, 09:01 PM Thread Starter
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Looking for insurance wisdom

So I spent the last six weeks in Kentucky making observations on the Army's next generation of leaders that will commission next year. I trailered my bike up so I could get some gliding in on the few moments I had to spare while there. This past Friday I was finally released to head back home to Louisiana.

As I was driving through Memphis I moved from I-55 to US-61, this lovely woman was coming from the opposite direction and never yielded despite her having blaring signage and a huge Silverado with trailer in tow on the main line of the interchange. I slammed the brakes and came screeching to a halt as the trailer jackknifed behind me. We never made contact. As I began to pull forward I felt a thud in the trailer.

I pulled over when I found some shoulder and much to my dismay found that the force of the stop and torque of the trailer threw the bike out of the chock and the three tie downs I had on it. I immediately assessed the damage, stood the bike up, took photos, and called my insurance. After a lengthy conversation I was informed I was liable for the entirety of the damages because I failed to adequately tie the bike down. I have been riding for years as well as trailering, it is not as if I don't know how to properly tie my precious ride down.

Insulted and infuriated are an understatement as to my reaction. Then I told them if that was the case drop the claim all together, I was then informed that if the damages were more than $500 that my premiums would go up and that they couldn't drop it. I told them to cancel my policy and went back to my previous insurance company I had for years. I have not have to make an insurance claim since I was 17...I turn 40 next month.

Needless to say, cutting a corner to save a few bucks is going to cost me $2700 out of pocket. I am coming here to see...is there anything I can do from here, or is eating the cost the only option?

V/r,
Scott

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post #2 of 21 (permalink) Old 07-15-2014, 09:20 PM
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That sucks and I'm sorry to hear of your misfortune. If it were me I would have asked to see where in your policy it explains how to "adequately tie the bike down" in order to have a claim accepted.

I'm sure that wont get you anywhere but WTH it won't hurt at this point.


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post #3 of 21 (permalink) Old 07-15-2014, 09:24 PM
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No impact and I assume there was no police report, i think you are out of luck on collecting from the other party. I would check the exclusions in the policy. I know mine does not have a "tie down" exclusion. I would make a physical damage claim to the insurance company that insured you at the time of the damage. You have nothing to lose as it's already been reported, and you moved on to another insurer. You would only be out $500 v. $2,700.

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post #4 of 21 (permalink) Old 07-15-2014, 10:17 PM
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Most important, who's the insurance company that's jackin' you around??

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post #5 of 21 (permalink) Old 07-15-2014, 10:32 PM
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Sounds like American Family Insurance.


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post #6 of 21 (permalink) Old 07-15-2014, 11:05 PM Thread Starter
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Triplej and Warpath, thanks. I will be working both of those angles.

Warpath, no police report as by the time I had found shoulder to stop I had crossed into Mississippi and would have had to turn around to make the report. After the BS of the last six weeks, this incident and the way Gieco was handling it, and having another six hours on the road I just wanted to get home. The woman that caused it was long gone and it seemed pointless at the time.

Tdkkart...Gieco.

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V/r,
Scott

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Last edited by rgrstetson; 07-16-2014 at 06:01 AM.
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post #7 of 21 (permalink) Old 07-16-2014, 01:39 AM
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Geico

That explains a lot right there

I would not have Geico or Progressive if someone paid my premiums for me

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post #8 of 21 (permalink) Old 07-16-2014, 05:37 AM Thread Starter
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Yeah Jack. Lesson learned the hard way, let me tell ya.

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V/r,
Scott

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post #9 of 21 (permalink) Old 07-17-2014, 12:01 AM
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Am Fam is every bit as bad.


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post #10 of 21 (permalink) Old 07-17-2014, 09:16 AM
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Sorry about the bad luck. I dont see how they can deny the claim, Comprehensive coverage covers anything, even if you knock it over sitting in the garage. I know every state is a little different, but it does not seem legitimate to me. I would push back and ask for the exact exclusions. Have you checked with your auto insurance company, if not the same? I think I remember hearing that if you have a trailer hooked to your turck then auto insurance covers it as well.

I have had great experience with State Farm on my bike when we went down, bent over backwards to take care of us. SImilar experiences with Allstate on cars.
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