Looking for advice - Page 2 - Road Glide Forums
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 #11 of 41 (permalink) Old 07-01-2016, 10:41 AM Thread Starter
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State Farm told me there wasn't any personal injury protection in this state when I started with them. Didn't bother me much since I pretty much have the best medical money can buy through my Union. If you don't mind me asking Bleachy, how much was your total? What year bike was it?
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post #12 of 41 (permalink) Old 07-01-2016, 10:42 AM Thread Starter
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And thanks to all for the kind words.
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post #13 of 41 (permalink) Old 07-01-2016, 11:17 AM
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Quote:
Originally Posted by MightyWhitey View Post
State Farm told me there wasn't any personal injury protection in this state when I started with them. Didn't bother me much since I pretty much have the best medical money can buy through my Union. If you don't mind me asking Bleachy, how much was your total? What year bike was it?
I wrecked in 2011 I think it was. The bike was an old 96 EGC. I had only paid $6500 for it a couple months prior to the wreck. I don't remember the exact amount, but I ended up getting a check after netting out my $100 deductible and salvage value for about $4500. This included fees like registration for a "new" bike, sales tax, the tow fee, the $800 I had to pay the dealer in New Smyrna to put new tires and bend a couple things for the bike to b rideable enough to get on the trailer. I had enough money to replace all the body parts that needed it, the crash bar and saddlebags guards, grips, shifter shaft, plus had a top end job done to replace a seeping base gasket. I replaced everything myself, but had the shop do the top end.

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post #14 of 41 (permalink) Old 07-01-2016, 11:48 AM
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A couple months ago I wrecked my '08 FLTR and was covered by State Farm. They have a $1k max medical in my state, so that part had to go through my regular health insurance.

A couple times I had to call them and prod them along to keep the claim moving towards a resolution, but in general I was satisfied with the financial settlement. I had all receipts and records, so I sent those in and got partial compensation for modifications. They also have coverage in my state for riding gear that is worn for safety. So stuff like my shirt wasn't covered, but they paid me for my boots, chaps, gloves, helmet, and goggles. I did have to provide detailed info on what each item was (brand, cost, etc.).

Unfortunately my bike was one year too new to buy back under state law.

FWIW, they valued my bike at just under $13k. Even once I negotiated the repairs down to around $8600 with the shop, they still said it was too high of a cost to repair and they totaled it. They supposedly have a certain percentage of value over which they won't repair. They didn't share the exact percentage with me, but it sounded like it may be as low as 55-60% or thereabouts.

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post #15 of 41 (permalink) Old 07-01-2016, 11:59 AM
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They don't f with Front End Damage as if the frame head is even the SLIGHTEST bit bent, totaled - Ducati has a tiny little flange and if it is even slightly "moved" the adjust will total the bike as any frame damage (even after repair) becomes a lability to them and if you go back out on the road and said frame damage (even after repaired) causes another accident, the cost of (2) claims usually outweighs the cost of a total claim.

I hae SF as well and my buddy is my agent and this is how he explained it to me

Insurance really is legalized gambling and based entirely off Risk so if SF feels their Risk is lowered (even by a single percentage point) by totaling your bike, they will.

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post #16 of 41 (permalink) Old 07-02-2016, 12:43 AM Thread Starter
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Hobbled my way into the stealer today to grill them on the process of estimating the damage to my Baby and what their experiences were with totals. They said it was a toss up. They're right now doing a frame replace on a 2010 so who knows. Did say that usually the culprit behind a total if the neck is fine, and mine appears to be, is the mount point for the crash bars in front of the tank. If that's pulled out then it gets a new frame or its totaled. Looked pretty damn flat to us but the tech is going to have to do his estimate and they'd go off what he finds. Unfortunately it's not on the schedule until Wednesday or Thursday. I guess that's not really that far off but it seems like an eternity. Thanks for all the replies and cross y'alls fingers please. Unless you're religious, a prayer couldn't hurt.
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post #17 of 41 (permalink) Old 07-02-2016, 11:27 AM
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Sorry to hear about your bike I hope everything gets taken care of. The main thing is you didn't get hurt too bad.
State Farm from what I understand from insurance shopping doesn't have a big accessory coverage writer available, I think that the standard accessory coverage was $2000 and you could buy another $3,000 to make it a total of $5000 in accessory coverage.
Since I had more than $5000 in accessories on my bike I had to go to another insurance company to get more coverage.
I wouldn't be surprised that some of your extras may not be covered.


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post #18 of 41 (permalink) Old 07-02-2016, 11:39 AM
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Glad you're OK. For the most part.

Good luck with the bike.


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post #19 of 41 (permalink) Old 07-02-2016, 12:26 PM Thread Starter
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Thanks again for all the kind words from everybody. what insurance company do you use Ironmark? Are receipts required? That's sometimes a problem when buying things off eBay, Craigslist or the forum, right?
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post #20 of 41 (permalink) Old 07-02-2016, 12:38 PM
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Thanks again for all the kind words from everybody. what insurance company do you use Ironmark? Are receipts required? That's sometimes a problem when buying things off eBay, Craigslist or the forum, right?
I used Allstate or Progressive, they never asked for receipts but once they asked for a list of extras.


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