Verify Your Coverages
Seasoned HDF Member
Joined: Oct 2010
Posts: 10,186
Likes: 17,837
From: In a van down by the river
+1 for AAA. I mean don't get me wrong it's pricey, especially the tier you need to buy for Motorcycle coverage, but if you have to use it once in a year it pretty much pays for itself. Plus it covers whatever vehicle you may be in. Car, truck, someone else truck etc. The tow portion is a nice feature too. Covers a tow up to 200 miles, fuel delivery, jump start, etc.
My truck is old, my other family members vehicles are old. So just the peace of mind knowing if anything goes wrong I can make a phone call without having to worry much about the out of pocket costs? Worth it in my humble opinion.
My truck is old, my other family members vehicles are old. So just the peace of mind knowing if anything goes wrong I can make a phone call without having to worry much about the out of pocket costs? Worth it in my humble opinion.
Thread Starter
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Cruiser
Joined: Mar 2018
Posts: 119
Likes: 26
From: Phoenix
Just gotta find the card or the number to call to get that reimbursement. Definitely helps with the sting.
Thanks!
Ultimate HDF Member
Joined: Sep 2006
Posts: 7,101
Likes: 1,013
Damn, talk about fine print biting you in the ***, I would have thought that a flat tire is surely a road hazard event..
That sucks, oh well, lesson learned.
Did you ask the dealer what they would have charged to tow you? I'm thinking it might have been cheaper..
That sucks, oh well, lesson learned.
Did you ask the dealer what they would have charged to tow you? I'm thinking it might have been cheaper..
Seasoned HDF Member
Joined: Jan 2007
Posts: 20,616
Likes: 4,440
From: anacoco, la
it certainly is a road hazard event. but the op did not have the tire and wheel coverage which covers said events. and he didn't have the roadside assistance rider on his insurance policy, so basically, he took his chances, and lost this time (albeit unknowingly)
and that is what he is warning you about, to make sure that you know what you are covered for, and what you aren't.
and that is what he is warning you about, to make sure that you know what you are covered for, and what you aren't.
Grand HDF Member
Joined: Nov 2009
Posts: 4,315
Likes: 1,663
From: Tampa
All the above makes sense, OR you could buy a roadside repair kit (with a pump) and fix it yourself with very little downtime for about a third of what you spent on the tow.
Granted that wouldn't help you much if something else locked the bike up, but tires are high on the list of keeping bikes immobile.
Granted that wouldn't help you much if something else locked the bike up, but tires are high on the list of keeping bikes immobile.
Road Captain
Joined: Jul 2018
Posts: 689
Likes: 374
From: Kansas
I use HOG and pay extra $19.95 for Deluxe package, unlimited services, towing costs will be covered in full.
Thread Starter
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Cruiser
Joined: Mar 2018
Posts: 119
Likes: 26
From: Phoenix
All the above makes sense, OR you could buy a roadside repair kit (with a pump) and fix it yourself with very little downtime for about a third of what you spent on the tow.
Granted that wouldn't help you much if something else locked the bike up, but tires are high on the list of keeping bikes immobile.
Granted that wouldn't help you much if something else locked the bike up, but tires are high on the list of keeping bikes immobile.
The ride was meant to be a group ride... but there was only one other person (the guy running the group). He had a pump and patch kit, but it wasn't for a tubed tire
Road Master
Joined: Dec 2018
Posts: 997
Likes: 489
From: Louisville, KY
My wife just recently paid our yearly premium for the AAA RV PLUS. Was either $162 or $164.
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I have zero doubt that the coverage is better thru AAA. I mean, that's what they do.
But thru State Farm it's less than $10 a year. At least, that's what it is on our cars. I'll have to check to see if it's the same for the bike.
For me, it might not be as good as AAA, but for the $, it might be good enough.
Like everything else, YMMV. That's why there are options
But thru State Farm it's less than $10 a year. At least, that's what it is on our cars. I'll have to check to see if it's the same for the bike.
For me, it might not be as good as AAA, but for the $, it might be good enough.
Like everything else, YMMV. That's why there are options
Intermediate
Joined: May 2018
Posts: 42
Likes: 18
From: Georgia
1. Waited 5 hours and driver damaged front fender. Didn’t take long to realize a claim wasn’t worth it.
2. Stuck in the middle of nowhere 7pm on a back (way back) road, nearest metro area and nearest dealer 75 miles. AAA weaseled out with some lame excuse about not having all family members with motorcycle coverage (I’m the only one who rides and didn’t have a passenger) and no RV coverage, although I have the Premium membership and motorcycle coverage. Amazing this wasn’t an issue the first tow above. HOG roadside eventually came through but it took me 8 hours to get to the dealer.
I still have AAA and AAA is amazing with cars. I would never rely on them alone for motorcycles. My advice: If you think you are going to need roadside, have AAA (Platinum with all possible upgrades) and the upgraded HOG roadside, and any other roadside as backup.
Last edited by FLTRXS 117; Aug 18, 2019 at 02:35 PM.