How should I handle this. - 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 #1 of 15 (permalink) Old 03-12-2018, 06:41 PM Thread Starter
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How should I handle this.

Just bought a new to me 09 RG. It has over 8000.00 in mods and parts. Also the bike has been pinstriped. All this was done before I got her. Talking with State farm they say submit recites but I dont have any and I know if I do the rates will go up just not sure how much. How should I handle this.
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post #2 of 15 (permalink) Old 03-12-2018, 06:48 PM
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Have it appraised on paper.

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post #3 of 15 (permalink) Old 03-12-2018, 06:49 PM Thread Starter
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through who? Motorcycle shop? HD stealership?
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post #4 of 15 (permalink) Old 03-12-2018, 06:54 PM
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Your rate may go up but it generally isn't too much. Most companies will not pay you for the accessories and mods if you don't buy up coverage to cover them. I guess if you don't have any receipts you'll have to do what Big Gary says.

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post #5 of 15 (permalink) Old 03-12-2018, 07:11 PM
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post #6 of 15 (permalink) Old 03-12-2018, 07:21 PM
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Well, Lets See It Bro...... Congrats on the purchase!

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post #7 of 15 (permalink) Old 03-12-2018, 07:34 PM
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Quote:
Originally Posted by Don.jenne View Post
Just bought a new to me 09 RG. It has over 8000.00 in mods and parts. Also the bike has been pinstriped. All this was done before I got her. Talking with State farm they say submit recites but I dont have any and I know if I do the rates will go up just not sure how much. How should I handle this.
talk to a local agent. my SF policy covers 5K in custom accessories but i doubt they would pay out 100%.

document and photograph all your mods and if they won't cover them talk to another agent.

i have a built bike that i had exact replacement coverage for but i don't know if they still cover customs like that.

if they will write the policy make sure it appears in the declarations page before you pay the premium.

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post #8 of 15 (permalink) Old 03-12-2018, 09:55 PM
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check with dairyland , I have mine insured for six thousand in accessories , did not want to see any receipts , was very little for the extra coverage ..

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post #9 of 15 (permalink) Old 03-12-2018, 10:17 PM
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Ask your agent if they will insure you for a "stated value appraisal". An appraisal done by an independent appraisal service, with knowledge of motorcycles. You will most likely have to pay for it out of pocket.


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post #10 of 15 (permalink) Old 03-13-2018, 04:41 AM
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Find a new company. Everyone I have had included at least $3,000 for extras. Put on by , dealer , pictures of just it being there when adjuster looks at it fine. When I totaled my 2011 they never even ask they just listed it and paid it no question ask.


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Last edited by smitty901; 03-13-2018 at 07:34 AM.
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