Insurance claims experience - Stromtrooper Forum : Suzuki V-Strom Motorcycle Forums
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post #1 of 6 Old 10-15-2010, 02:44 PM Thread Starter
Join Date: Oct 2008
Location: Oregon
Posts: 121
Insurance claims experience

I was wondering what people have dealt with after a crash and getting your bike fixed. I had my agent look and he suggested to make a claim. Broke front fairing, broke givi E52 box, pushed exhaust. I spoke with the dealer and he said no big deal. He would deal the the insurance company and then let me know what my budget was after the deductible.
Does this sound right?
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post #2 of 6 Old 10-15-2010, 03:12 PM
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Join Date: Jan 2009
Location: Group W Bench, VA
Posts: 1,857
About 6 years ago on my previous bike I was rear-ended (while moving) and Progressive handled everything with my dealer. I don't remember if I even had to pay any deductible (it wasn't my fault) and Progressive did a good job going after the cager and his insurance company. So the amount of the whole total bill was a moot point for me, kinda like what your dealer is saying, sounds like. The dealer took care of everything from soup to nuts (came and picked up bike at my house while I was at work, etc.) and Progressive stayed in touch with them and wrote them a check when the damages were assessed. All I had to do was wait a coupla weeks and then go ride it home when it was ready. As it should be.

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post #3 of 6 Old 10-18-2010, 09:50 PM
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Join Date: Aug 2010
Location: Montana
Posts: 6
I had the worst experience. Some guy in an Escalade turned across my lane into my baby on a one way street. Allied/Nationwide(same company) di---ed me around for 5 weeks. Problem was, my strom was my main source of transport. I got a little Honda c70 and a bicycle to get me around town, but I wanted to leave, I had no options. I told them this two weeks after the wreck, three times. I had to deal with all the repairs too and the insurance didn't pay the bill, but what they thought the bill would be so I had to pay 230 out of pocket to get the bike fixed. I'm still waiting for the reimbursement check.

I will never, ever use Allied/Nationwide to insure anything I own, even if I have to pay double to a competitor.

Last edited by theJdogg; 10-19-2010 at 03:51 AM.
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post #4 of 6 Old 10-18-2010, 10:06 PM
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Join Date: Sep 2010
Location: Flagstaff, Arizona
Posts: 224
I have Progressive for my bikes, and have never had to file a claim, but I have GEICO on my car, and after a little no damage bump in Denver, the other driver sued my insurance--they claimed all sorts of head and neck injuries and "emotional duress". GEICO would have nothing to do with it, and defended me/them aggressively and my premiums were unaffected. A GEICO rep told me that Denver was ground-zero for people who troll the streets to create minor accidents, hoping for a big insurance pay-day, and that was what they thought was going on in my case. That experience went a long way to solidifying my allegiance to GEICO. Funny thing was, GEICO was outrageously over-priced in their quote to insure my motorcycle, so I went with Progressive. The whole GEICO experience, however, has made me skeptical of the Allstate claims that it matters that you have a local agent (posing) as your "friend".
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post #5 of 6 Old 10-18-2010, 11:13 PM
Join Date: Mar 2006
Location: long island
Posts: 32
Mine fell of my trailer and was hit by two cars and totaled. They covered the bike under the comprehensive of the vehicle i was driving, it actually worked out for me Im driving a brand new 09. StateFarm
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post #6 of 6 Old 10-19-2010, 12:14 AM Sponsor
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Join Date: Feb 2010
Location: Snohomish, WA
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I worked for a major Insurance company for 6 years. I filled a claim once due to a lowside. I call my insurance carrier ( even if I am not at fault) and meet the Adjuster at the shop and go over it with them. If it is paid by someone else i have my carriers adjuster double check it. I have not had any problems, i prevent them from happening. If dealer says that they found hidden damage. while they tore it down , make them stop and make the adjuster look at it again.

K4 DL650
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