2014 Limited WTF!!!!
Tourer
Joined: Mar 2007
Posts: 274
Likes: 4
From: Sierra Nevada's
State Farm behind the times
I had the same problem with State Farm when I tried to switch my new FLHXS to them (6/14). They admitted after some trouble that their database was not up to date as they only had the FLHX in their records. BTW, I decided not to go with them after all this. Just in case there was a claim filed, "they might not have ME in their database"!
Outstanding HDF Member
Joined: Mar 2008
Posts: 2,306
Likes: 39
From: Everywhere
Have you registered the bike with DMV? Do you have title or just the manufacturers certificate of origin? You say you have the paperwork from Harley, so I'm assuming you have the certificate of origin. Normally DMV will take that from you and issue a title when you register a vehicle. State Farm is probably connecting to the DMV database looking for the VIN. If the bike is not registered or no title has been issued to replace the certificate of origin the VIN won't be in the DMV database; hence, State Farm will say it doesn't exist.
Road Warrior
Joined: Dec 2012
Posts: 1,686
Likes: 242
From: Glen Mills, PA
Most motorcycle policies state they will only insure a vehicle listed on the policy. If they can't list it then you theoretically could have an issue.
Your wife maybe right on this one. If you traded your old bike in and this is the only bike you have I doubt they could deny your claim but they could try, don't wreck it.
Your wife maybe right on this one. If you traded your old bike in and this is the only bike you have I doubt they could deny your claim but they could try, don't wreck it.
Seasoned HDF Member
Joined: Oct 2012
Posts: 11,226
Likes: 3,049
From: St.Louis Mo.
state farm tried this on me too! i've been with state farm for 35 years and after they tried to charge an outragous price for my new bike i called progressive and insured two bikes for less then state farm wanted for one. i'll give them another shot at it when my bikes are due again. i'm going with who ever has the best price.
Seasoned HDF Member
Joined: Sep 2009
Posts: 25,310
Likes: 2,446
From: Eastern NE
You bought the rare "ghost" model so...it's a limited edition...make sure you hike the coverage. 
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Road Warrior
Joined: Apr 2010
Posts: 1,648
Likes: 37
From: Monroe, Louisiana
I had the same problem back in 2010 when I bought my other Limited. State Farm couldn't find it in their database. I was at the agents office in person when this happened. Agent called their help line and rep told agent to go ahead and right it up and they pushed it through. He said their database wasn't up to date on the new models. Rep had to fill in all the data by hand as the database wouldn't autofill for them. Didn't have that problem on 14 but did take two weeks to get the paperwork straightened out and get my card. I was assured I was covered. I bought the 14 Thursday before Easter and they were closed on Friday to Monday. I went on trip on Monday for week and half was reason for problem. Finally got the business agent at the dealership to fax the papers to them and supply the extra information I didn't have.
Road Master
Joined: Apr 2014
Posts: 1,024
Likes: 200
From: usa
I have always purchased my vehicles where about a week later I get the plates from the dealer...no issues. I never knew how many people in the "chain" can screw things up.
Just about two months ago I purchased a new HD while I was out of state and learned so much...
I had to take my HD certificate of origin and all the other paperwork I never saw before to the tax assessor.
They made a lot of mistakes. They tried to charge me an extra 1600 dollars in sales tax. I had to explain things to the powers in charge of getting my title. And they still didn't get it right the first time....I had to go back a few hours later for some corrections.
Guess my point is a clerk along the line can enter the wrong info and really screw things up...
It shouldn't happen...be it the insurance company or the state DMV/Tax assessor...but it does...and it sucks.
Just about two months ago I purchased a new HD while I was out of state and learned so much...
I had to take my HD certificate of origin and all the other paperwork I never saw before to the tax assessor.
They made a lot of mistakes. They tried to charge me an extra 1600 dollars in sales tax. I had to explain things to the powers in charge of getting my title. And they still didn't get it right the first time....I had to go back a few hours later for some corrections.
Guess my point is a clerk along the line can enter the wrong info and really screw things up...
It shouldn't happen...be it the insurance company or the state DMV/Tax assessor...but it does...and it sucks.