Just laid my bike down :(
Banned
Joined: Sep 2016
Posts: 580
Likes: 14
From: Texas
Comprehensive is fire, theft and vandalism. What part of hitting or avoiding a dog is that? Damage to the bike is covered by collision coverage, less deductible. Medical coverage is also part of a motor vehicle policy, if you buy it. Otherwise OP's medical insurance will cover medical care, less deductible.
"With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply."
https://www.progressive.com/glossary...and-collision/
Club Member
Joined: Jun 2013
Posts: 6,386
Likes: 900
From: Columbus, Ohio
Why would you ever swerve to avoid an animal?
Road Warrior
Joined: Aug 2008
Posts: 1,475
Likes: 70
From: Sierra Foothills, California
We have had a few animal vs. vehicle insurance claims. You always say the animal hit you, not you hit the animal... I can't remember who told us this, but I think it was a claims adjuster.
Banned
Joined: Jul 2009
Posts: 7,406
Likes: 833
From: Straight Jacket Memories and Sedative Highs
Because some animals are bigger then what you would want to hit on a bike. Not rocket science.
Seasoned HDF Member
Joined: Mar 2010
Posts: 19,978
Likes: 6,074
From: Florida
Friggin' dogs are a GD nuisance if there ever was one...they bite,bark,****, & stink, & people STILL feed them! I hate the sonsabitches with a passion! Only thing worse is inconsiderate dog owners. Got a lot of those scumbags here in Florida;especially pitbull owners. They are the same idiots with jacked-up pickups with the steel ***** hanging from the hitch. ***** effin'Douchewads. hadda leave my last neighborhood because of it, otherwise I'd prolly just be getting out of jail right now. I don't keep my dog outside for just that reason.
Sue the bastard for everything. Only way these idiots learn is hit 'em in the wallet.
Sue the bastard for everything. Only way these idiots learn is hit 'em in the wallet.
Last edited by dickey; Oct 10, 2016 at 08:37 PM.
Elite HDF Member
Joined: Aug 2008
Posts: 4,133
Likes: 125
From: Japan
Friggin' dogs are a GD nuisance if there ever was one...they bite,bark,****, & stink, & people STILL feed them! I hate the sonsabitches with a passion! Only thing worse is inconsiderate dog owners. Got a lot of those scumbags here in Florida;especially pitbull owners. They are the same idiots with jacked-up pickups with the steel ***** hanging from the hitch. ***** effin'Douchewads. hadda leave my last neighborhood because of it, otherwise I'd prolly just be getting out of jail right now. I don't keep my dog outside for just that reason.
Sue the bastard for everything. Only way these idiots learn is hit 'em in the wallet.
Sue the bastard for everything. Only way these idiots learn is hit 'em in the wallet.
Banned
Joined: Jul 2009
Posts: 7,406
Likes: 833
From: Straight Jacket Memories and Sedative Highs
You are an odd dude.
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Cruiser
Joined: Sep 2016
Posts: 182
Likes: 26
From: Murfreesboro TN
My situation was deer/car related. And I did het the deer which is why that came up. Hope I never find out on a bike.
Seasoned HDF Member
Joined: Aug 2009
Posts: 9,239
Likes: 3,261
From: west Michigan
"Laying it down" is deliberately done by the rider, usually to avoid a collision with a vehicle or another object that the rider doesn't want to hit.
"Crashing" is when the bike goes down due to the rider's loss of control.
They're not the same thing.
"Crashing" is when the bike goes down due to the rider's loss of control.
They're not the same thing.