Emerg Road Ins.
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Banned
Joined: Feb 2007
Posts: 331
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From:
Emerg Road Ins.
it dawned on me that i dont have any emergancy road insurance on my bike, next year im planning on some 3-4 day and a cpl week runs, State Farm doesnt do emerg road on bikes, called my agent yesterday. im not near a dealer so i have never joined HOG, anyone have a recommendation, or would it be worht joining the HOG at the national level for the insurance ??
thanks all
thanks all
Elite HDF Member
Joined: Jul 2006
Posts: 4,813
Likes: 6
From: Rio Grande Valley-Texas
RE: Emerg Road Ins.
If you are a member of AAA I think they have a RV/Motorcycle add-on. I'm a member of HOG but have yet had the misfortune of trying it out (roadside that is).
Seasoned HDF Member
Joined: Jan 2007
Posts: 20,616
Likes: 4,440
From: anacoco, la
RE: Emerg Road Ins.
progressive ins. includes roadside assistance.
my HOG story: it was new years eve. the wife and i decided to go for a ride (it was around 100 pm) we get about 50 miles up the road and come to a intersection where we have a couple of choices as to which way to go. so we pull over to talk about it. we hear, pssssssssssshhhhh. oh crap, theres a nail in my tire. no problem, we gots HOG, i'll just give them a call. so its now about 2o'clock. "no problem, we'll get someone there right away".... well, after a few phone calls back and forth, and about 6 hrs, they could not get anyone to come get us. so the wife rides her bike home while i wait and brings the truck and trailer back up (so thats an extra 100 miles round trip tacked on and time wasted). we load the bike up and finally get home around 11pm..... yep, HOG sure did us good that day.... but in their defense, at least they kept good communication with us and didn't wait until i called them back to ask where they were before telling me sorry.
my HOG story: it was new years eve. the wife and i decided to go for a ride (it was around 100 pm) we get about 50 miles up the road and come to a intersection where we have a couple of choices as to which way to go. so we pull over to talk about it. we hear, pssssssssssshhhhh. oh crap, theres a nail in my tire. no problem, we gots HOG, i'll just give them a call. so its now about 2o'clock. "no problem, we'll get someone there right away".... well, after a few phone calls back and forth, and about 6 hrs, they could not get anyone to come get us. so the wife rides her bike home while i wait and brings the truck and trailer back up (so thats an extra 100 miles round trip tacked on and time wasted). we load the bike up and finally get home around 11pm..... yep, HOG sure did us good that day.... but in their defense, at least they kept good communication with us and didn't wait until i called them back to ask where they were before telling me sorry.
Stellar HDF Member
Joined: Sep 2006
Posts: 3,236
Likes: 95
From: lancaster, pa
RE: Emerg Road Ins.
heres what I got.
aaa for ran out of gas(any vehicle)and I think thats all they will do.
I think the optional tire coverage for 7 yrs covers something else like rental/hotel? not shure any feedback?
warrenty of course should cover the repair?
This leaves me open for the towing and with HD theres usually a dealer on every corner
Never needed more than a 10 mile towe and it ran me $42 so not really shure what to expect.
aaa for ran out of gas(any vehicle)and I think thats all they will do.
I think the optional tire coverage for 7 yrs covers something else like rental/hotel? not shure any feedback?
warrenty of course should cover the repair?
This leaves me open for the towing and with HD theres usually a dealer on every corner
Never needed more than a 10 mile towe and it ran me $42 so not really shure what to expect.
Cruiser
Joined: Jun 2006
Posts: 123
Likes: 0
From: Cleveland, OH
RE: Emerg Road Ins.
The National H.O.G. is good to join for more than roadside assistance. They have several mailings throughout the year and magazines that you can read all about many different aspects of riding.
Elite HDF Member
Joined: Jul 2006
Posts: 4,813
Likes: 6
From: Rio Grande Valley-Texas
RE: Emerg Road Ins.
Just looked it up..AAA will do a motorcycle IF you are an upgraded (more $$) member.
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Road Master
Joined: Sep 2007
Posts: 821
Likes: 1
From: In the wind
RE: Emerg Road Ins.
A friend of mine was with us when we went to Orange County Choppers and we live in sothern Pa. It took us 6 hours to ride there when we got the he got a nail in his rear tire he called road side asst. and they say we will take yo uot the nearest harley shop till they can fix it It was a sat evening and we are already right across the street from the closedt harley shop which isnt open till tuesday so harleys roadside SUCKS A$$ i say ride the damn thing if u have trouble just ask a biker riding by for help
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Stellar HDF Member
Joined: Sep 2006
Posts: 3,236
Likes: 95
From: lancaster, pa
RE: Emerg Road Ins.
vidyl-I think you have the right idea. just to add this , after getting a gps last winter I notice after uploading the HD POI that there are alot of autherized HD shops that I had no idea,not dealers but would they be covered?
Cruiser
Joined: May 2007
Posts: 134
Likes: 6
From: North Texas
RE: Emerg Road Ins.
Although my insurance has it, I also went with the optional "premium" coverage offered through HOG and it's paid off big time the past few years. For starters, most towing coverage that comes fromyour insurance company has a mileage limit. They'll take you to a dealer but if it's over a certain distance, then you pay the difference. As an example, in 06 I did a ride out west and had my timing chip go south on me while I was in Brice Canyon. The closest dealer was 125 miles away, and in the wrong direction I was traveling. Insurance would have paid for something like 25 or 50 miles and the rest would have been up to me. The Road America coverage I got through HOG covered everything, including the trip interuption (motel, meals, etc.). It costs me zero out of pocket at the time ... just the $25.00 or so for the upgrade to the standard HOG coverage.