Here in Massachusetts you can have a police officer come to your house and do a vin verification check. Your insurance company should have a form for this.

 

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"!

 

State Farm is a good outfit. I've used them for my bikes and cars for many, many years now.

Email them a photo of the VIN number plate on your bike, then let them figure it out.

 

I can't register without proof of insurance . Insurance first, then register with the DMV

 

An underwriter a dumbass.....How could that be?

 

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.

 

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.

 

You bought the rare "ghost" model so...it's a limited edition...make sure you hike the coverage.

 

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.

 

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.