iNSURANCE COMPLAINT
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Joined: Dec 2005
Posts: 62
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iNSURANCE COMPLAINT
Ive had Country Insurance for 5years now and been pretty happy. But I called today to insure the SG im picking up tomorrow and my agent told me that the bike was covered but the saddlebage were not.. WTF has anybody ever heard of this before? its a stock motercycle but the saddlebagges arnt covered??
Extreme HDF Member
Joined: Feb 2005
Posts: 14,849
Likes: 7
From: Fortville, IN
RE: iNSURANCE COMPLAINT
You have to be careful with insurance carriers and be sure they cover parts & accessories. Lots do not. They cover the bike only at Actual Cash Value. So you need to find a carrier that will give you a sublimit for parts & accessories. And also will offer gap coverage.
Tourer
Joined: Oct 2005
Posts: 337
Likes: 1
From: Peoria, IL
RE: iNSURANCE COMPLAINT
Moose
I've been involved in insurance for a long time (adjuster-not sales). I know on the past policys that I have had thru the company I work for you had to purchase the additional equipment rider to insure any additional items you install on the motorcycle that did not come standard on that motorcycle. I do know for a fact that when I bought my first Sportster years back I had to put this rider on in order to cover the bags and windshield that I put on that bike. As far as the bagger, is concerned, I didn't ask if I needed it to cover the bags, faring, etc. since it is standard equip. I knew I would need it for the additional crome and other fun stuff I added. Hope this helps.
I've been involved in insurance for a long time (adjuster-not sales). I know on the past policys that I have had thru the company I work for you had to purchase the additional equipment rider to insure any additional items you install on the motorcycle that did not come standard on that motorcycle. I do know for a fact that when I bought my first Sportster years back I had to put this rider on in order to cover the bags and windshield that I put on that bike. As far as the bagger, is concerned, I didn't ask if I needed it to cover the bags, faring, etc. since it is standard equip. I knew I would need it for the additional crome and other fun stuff I added. Hope this helps.
Outstanding HDF Member
Joined: Mar 2005
Posts: 2,322
Likes: 0
From: Somerset County
RE: iNSURANCE COMPLAINT
Not sure if Foremost Insurance writes in your are but I just had a good experience and got a good price signing up with them - Not that that means **** if I make a claim but so far so good - And the insured my saddlebags!
Road Captain
Joined: Feb 2006
Posts: 701
Likes: 0
From: Maryland
RE: iNSURANCE COMPLAINT
Try Progressive. I believe my adjuster advised that I have $1G coverage for added on accessories and I could increase that with a slight premium increase. The cash value of the bike is covered, it did not exclude any specific part of the bike. There prices are great IMO. $398/yr. for for my 05' RKCustom.
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Road Warrior
Joined: Jan 2006
Posts: 1,808
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From: Waynesville, NC
RE: iNSURANCE COMPLAINT
Try Progressive. They gave me $5,000.00 in coverage for added on accessories at no additional charge.
Bob
Bob
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Road Captain
Joined: Feb 2006
Posts: 726
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From:
RE: iNSURANCE COMPLAINT
FOREMOST INSURANCE I bet your agent is a dumba$$. The bags would have to be covered. Ask if your glovebox & trunk on your car are covered. Sounds like agent is on the HoBo wine.
gvc4
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gvc4
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Road Warrior
Joined: Aug 2005
Posts: 1,545
Likes: 5
From: NEW LENOX, IL
RE: iNSURANCE COMPLAINT
I just called my insurance agent who is also Country and she called the underwriter to verify. Your bags ARE covered. Anything that is FACTORY will be covered, but they also have for a few more dollars coverage up to $1000 for accessories. I've got her looking into an extra plan for a little more coverage on the accessories and will report back what she finds.
I hope this helps a little.
I hope this helps a little.