Yes there is with Allstate, at least here in PA. Even hitting a deer is not considered against your premiums. Did $4500 of damage on my old Dodge Ram and my rates stayed the same. I would ask your agent, usually they will tell you if it could affect your rates and if it does then you have the choice not to claim it (take the check). Just getting a claim number from them won't automatically raise your rates.

 

i started with DIA at bolling in 84 after getting out of the army, before they became NIMA then NGA. i was at Bolling off and on through the years. I'm now retired after 42 years gubment service and now contracting at NGA Springfield. I live in southern Maryland and had to commute to Springfield during the construction of the new bridge, what a pita that was...i finally got transferred back to the navy yard right after they finished it. you're right, there is junk on them all the time. most of the time i can see it and aviod it. this time, it just came out from under the car. no way to avoid it, just go over and hang on....lol. it didn't effect the handling of the bike but now that i can see the damage, i'm a little concerned about taking it down the road.
i haven't had the opportunity to talk to my agent yet i'd like to get his "off the record" advice and hopefully our long time friendship will provide two avenues of action....one as a customer and one as what he might do.

 

thanks bowhunter...good to know. i'll ask the adjuster. i think we've been with them so long with our autos, we had a freebe anyway. you know, you're supposed to take the deer out with those pointy sticks you launch with your bow, not your RAM. its funny, we have a lot of deer here in southern maryland, in fact, i've bumped a couple early in the morning with my guards on the bike, they normally run the other way when they hear the bike comming or hold their ground. with my 2014 1500 Sport, its almost like they want me to take them for a ride.....lol, they come out of nowhere and try and cross the roads.....

 

That's good to know.

Isn't it classed as an "act of god", as long as your god is not Diana?

(* That's one for the Roman historians there).

I'll be interested to see how this pans out, so please let us know. If you end up with a new frame, it'll always be a plus when it comes to sell. For an extra $200s or so, it makes sense to swop out the tranny pan "just in case".

Got anything else to do while the engine is being taken out of the frame, e.g. change the pulley/gearing, fit a Tour-trak, pay the upgrade for a Baker pan?

I can't but help think how luck you've been ... a split second either way and it could have gone through one of your cases.

I had a similar accident once and pulled a sump plug right out of an engine. Pretty much dumped all the engine oil on the rear tire straight away. Thought I had a flat the way it was weaving around. Luckily I caught the oil light as soon as it lit up. The only time in my life I'd seen one actually work. Put the all blame on dating a too fat chick squashing the suspension down that time! Insurance companies should have a clause against them.

 

My deer hits here have all been treated as comprehensive claims by State Farm, no foul.
I have heard of some insurance companies regarding just about anything as "Incidents" that may raise your rates at some time based on some funky azz formula.

 

If you look closely at where the cross piece ties to the frame you there is a crack running along the tube.. While this can be repaired most shops will want to replace the frame... The main purpose of the cross brace is to keep the frame from spreading at the swing arm mount point..

 

Around here... If the object hit was laying in the road, it's the drivers fault.. If it's moving, it doesn't go against the drivers insurance.

 

Pretty sure that's just cracked paint being pushed off by the rust.

 

It looks like a crack to me.. Should be easy to see in person.. You can see a place where the metal displaced between the 2 tears..

 

This is just an aside, not necessarily specific advice for this case, when such a thing happens, it's often possible to use it as an opportunity to carry out an "upgrade" rather than carry the burden of a fault.

For example, replacing the webbing - or part therefo - with a proper strut/square section tube and, as I suggested before, a built in alternative to what you pay $100s to True-Trak etc to bolt on.

That way you can still sell the bike but with a plus rather than a minus.

More of an option where you have to live with it, or pay for it yourself, rather than be bailed out by the insurance company.

The math all comes down to what they say and how much discount he has to lose, over how many policies. It is possible to come out ahead of the insurance companies - but not very often.

In my case, it would go as a strike against the rider. Have they offered to total the bike yet?