Join Date: Jul 2012
Location: Louisville, KY.
Ins. coverage of mods & labor?
My insurance company (Geico) provides for $2K additional coverage for add ons, mods, etc. I have been totaling receipts for my add ons for my RGC that is now a little over 2 weeks old. Damn it adds up fast. I'm already over $2K. And I'm not finished (maybe I will never be finished?). So, I will check what additional mod coverage will cost. And last time I spoke with them they clarified for me that if I spend $1,100 for an aftermarke exhaust system and they have to pay a claim they will be paying $1,100 (unless the system is really old) for the exhaust system and NOT saying "well, the factory exhaust that the bike came with is worth X so we will deduct the X from the $1,100 and pay the difference." So far so good. And I'm keeping all receipts, work orders, etc. But...., what I'm wondering is if I pay the dealer to install the mod and keep all the paperwork and a claim arises, is the insurance company going to pay the installation cost as well as the cost of the mod? And I wonder if all insurance companies handle that situation the same.
Any and all comments, experiences and opinions are welcome.
Thanks, Louisville Joe