File for claim, or keep quiet
Tourer
Joined: Apr 2009
Posts: 444
Likes: 1
Being that you were issued a citation, very possible that your insurance company will find out anyway. I also had an at fault incident with Progressive. What I thought was $1000 damage turned into about 5K. I had my bike repaired by the same dealer I bought it from. I was treated like gold by the dealer and Progressive adjuster, who handled the claim quickly and with very little interaction from me. This dealer prefers to replace rather than repair and Progressive went along with ALL of it, even to the point of increasing the claim when some other items were discovered. My bike was fixed to like new condition and there isn't anything attached to the title as far as salvage. My rate may have increased slightly but it will take them 30 years of increases to break even. You may want to research your medical some more. Realize that policies differ from state to state. In Michigan, Progressive has a clause buried in the fine print stating that they don't pay medical claims for single vehicle motorcycle accidents, which yours was.
Outstanding HDF Member
Joined: Jul 2007
Posts: 3,341
Likes: 9
From: Woodinville, WA
When I had a claim with Progressive they paid me list price for everything, plus sales tax. I was able to source a lot of parts on eBay and Craigslist for a fraction of what Progressive paid me. They also paid me standard labor rates even though I fixed everything myslef. I told them exactly what I was doing and they basically said - go for it. Very fair company indeed.
Banned
Joined: Sep 2009
Posts: 7,580
Likes: 7
From: The Internet (& Dyer, Indiana)
I don't think a Salvage Title applies in this case. With your personal injuries, and the considerable damage to your scoot, my first impression would be to go ahead and file your claim. I also had a minor accident on my Street Glide last year (my fault) and chose to file. It was $2,800. My deductable was and still is $250. My rate did go up about 20% when I renewed. Just sayin'...
When rates go up, that's when you shop for alternative companies.
I was with Foremost for years. One year they jacked my rates near 20% without an accident. Fine print said "too many credit inquiries". Not bad credit, too many inquiries. (that does hurt your score, but not your driving ability).
Made the switch to another company and back to my old low rates.
Grand HDF Member
Joined: Sep 2009
Posts: 3,808
Likes: 285
From: Green Country Oklahoma
Depends on year model your ins. might total it and you can make a deal to keep the bike and get compensate for the loss and fix it on your own.A friend of mine had accident where he was able to keep the bike and get good compensation from his Ins.I would definitely file a claim because that's why I'm paying for it begin with.
Last edited by Punjabi Rider; Sep 16, 2010 at 08:02 PM.
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