My SG -vs- deer... now what?
Extreme HDF Member
Joined: Dec 2006
Posts: 10,045
Likes: 36
From: ST. Louis
Good luck, on your health and getting any extra money.
I thought you had to have extra insurance for add ons. I don't have enough to cover everything I've done that's for sure. I think I added $5,000 worth.
I thought you had to have extra insurance for add ons. I don't have enough to cover everything I've done that's for sure. I think I added $5,000 worth.
Tourer
Joined: Apr 2006
Posts: 389
Likes: 0
From: Houston
A buddy of mine just got 16K for his totalled 2002 RK with 80K on the clock. You should be fine but you can put stock parts back on it & use/sell what isn't covered or damaged. He did. Good luck & glad you're OK.
Outstanding HDF Member
Joined: Oct 2009
Posts: 2,639
Likes: 2
From: Scottsboro
I have wrecked twice one bike was a total. Cash compensation was fine. I bought a corvette with the money i got. #2 was not a total and I did repairs and got little more than the parts cost. wound up with a little upgrade.
Road Master
Joined: Nov 2008
Posts: 890
Likes: 5
From: Fayetteville Arkansas
Progressive
I have progressive insurance and you have to declare the amount of accessories you have when you get the policy. Your rates are based on your coverages. The lowest coverage policy has only $1,000 for accessories.
If you have more bing ! You pay more for it.
If you have more bing ! You pay more for it.
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Road Master
Joined: Aug 2009
Posts: 1,022
Likes: 3
From: Kewanee, IL.
Well, I have to meet the adjuster tomorrow... so glad I dont have to wait till after Turkey Day! I will update this after I meet with them... Thanks for all the replies guys!
Road Warrior
Joined: May 2008
Posts: 1,802
Likes: 2
From: Salt Lake City, UT. Dushore, Pa.
Glad your OK. State Farm is fair but they will probable total the bike , I think if repair is over x %, which you can buy back as a salvage bike. I bought my friends 2000 Fatboy fr. him for $3k three years ago. If you can do the work yourself and get parts at a discount you can actually make money.
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Road Master
Joined: Aug 2009
Posts: 1,022
Likes: 3
From: Kewanee, IL.
OK so State Farm did total the bike... they told me the bike was worth $16,250 according to NADA... so then they asked me about the H-D accessories and aftermarket parts I had on the bike. I told them I didnt have all the receipts but plenty of pics to prove what I had. They then asked me if I could get them a list of all the parts I had installed on the bike with the best description of the part and the price... I faxed them the list which was approx $9,000 total without any labor. They called me the next day and said they would pay a total of $23,450 minus my $250 deductable. That said my 2010 Street Glide is still in the crate at the dealer and I will start buying some parts for that bike next week! So after I pay off my old bike and put a couple grand down on the new bike I will have approx 8K to get this new bike as sharp as my 07... or even sharper!
Road Master
Joined: Apr 2008
Posts: 1,230
Likes: 1
From: Oak Park, IL
Glad to hear! I have State Farm on all the vehicles, house, and tools. We have had the same agent for 20+ years and the few times I have needed them there was never a problem.
Glad you are OK and an early congrats on the new scoot.
Glad you are OK and an early congrats on the new scoot.