Progressive insurance and diminished value in Georgia
I recently posted that I had struck a deer at 45mph with my 2010 Roadglide. The bike never went down but the damage totaled over $11,000. I took the check and what was left of the bike and traded it in on a new '13 RGU.
I contact Progressive and ask for a diminished value payment. Georgia is one of few states that offer this. They started out by saying there was no diminished value as all of the painted/damaged parts were being replaced. I explain to the rep that if somebody had 2 identical bikes and put them up for sale, one that had never been damaged and one that had over $11,000 in damage, that I doubt too many people would pick the 2nd bike or pay the same price for it.
He then comes back with a $300 offer a few days later. I told him to go ahead and keep that check as I wouldn't be cashing it. He asked what I thought would be reasonable. I told him that I believed the bike value was diminished by a few thousand dollars but that I would be satisfied with a check for $1,000. They have now decided there is no diminished value because all damage parts were replaced.
I went through this before with a car and ended up using an attorney to recover the settlement. Looks like I'll be going that route again. It's not really so much about the money as it is them doing the right thing. They were sued not too many years back for the same thing but apparently not much has changed.
2018 Road Glide Special. 12 inch 'Freedom' shield, Mustang seat, Harley tour pak, Advanblack lowers, Motolights, rear crash bars, Headset plug-in, Ciro footpegs, Black headlamp trim, mesh grill covers, Flash2open garage transmitter, buncha other stuff!!