[Cruzrtwdgt]

240 yr thru geico. 500 ded.

Just repaired from my lil accident in WV - 1900 in damage cost me 500.

 

[MONSTER CAN AM 800R XMR]

Does the insurance cover everything if you wreck it

 

[blevinsbulldog]

I hope so! Wonder if it covers all the acc ive put on....Wheels, tires, winch, box ect?

 

[Bucky Badger]

I hope so! Wonder if it covers all the acc ive put on....Wheels, tires, winch, box ect?

Check with your insurance company or agent. Most policies cover $1000-$3000 of non-factory accessories.

 

[Cruzrtwdgt]

Does the insurance cover everything if you wreck it

With GEICO, they would not cover anything that was solely cosmetic. Eg: The cowling on the front of my bike was scratched when I rolled it. They did not replace it. Adjuster told me only items that affected the operation or safety were covered.

 

[dwantonxxc]

Does the insurance cover everything if you wreck it

With GEICO, they would not cover anything that was solely cosmetic. Eg: The cowling on the front of my bike was scratched when I rolled it. They did not replace it. Adjuster told me only items that affected the operation or safety were covered.

here is NJ --
geico is the worst company out their -- i work with them evreyday and they repair vehicles the cheapest way possible and dont care what the customer or shop thinks. YOU GET WHAT YOU PAY FOR !!! thats why geico is so cheap !!! sounds like they repair offroad policies the same way they fix the cars.
luckily they do not make aftermarket cheap replacement parts for offroad vehicles -- cars they do and you are not given the choice of using the cheap junk.

i use Foremost ins -- $418 a year for 2- 2011 quads -- 100/300 , 250 ded , 50000 property $1000 accessories

 

[Bucky Badger]

:th_smilieexactly:
I heard Geico's ads and got a quote a couple yrs ago. Price wasn't bad, but I couldn't get the liability limits I wanted and very limited coverage on accessories.

 

[Mile Hi Outlaw]

Does the insurance cover everything if you wreck it

With GEICO, they would not cover anything that was solely cosmetic. Eg: The cowling on the front of my bike was scratched when I rolled it. They did not replace it. Adjuster told me only items that affected the operation or safety were covered.

The way that I interpret what you are saying is if I crash and there is $4000 worth of damage and part is plastic that is CRACKED or BROKEN OFF they will not replace the plastic.

 

[dwantonxxc]

Does the insurance cover everything if you wreck it

With GEICO, they would not cover anything that was solely cosmetic. Eg: The cowling on the front of my bike was scratched when I rolled it. They did not replace it. Adjuster told me only items that affected the operation or safety were covered.

The way that I interpret what you are saying is if I crash and there is $4000 worth of damage and part is plastic that is CRACKED or BROKEN OFF they will not replace the plastic.

that is just nuts !!!! :th_smiliepullhair:

i'd be calling supervisors all day and screaming about that one --- :th_smiliepissed:

they would have to replace the plastics if broken due to an accident !!!

the adjuster must have felt it was prior damage and the owner didnt fight it ????

you can still call them and say you didnt understand what the adjuster meant when he said he wasnt paying for the plastics , and they should -- if they were damaged from the accident !!

 

[TxMudGurl]

I pay $160 a year for Comprehensive and Collision with State Farm. All my aftermarkets are covered as long as I can show receipts or prove what the cost is of those items. I have it insured for $7000. I dont have liability, PIP or any of that other stuff. IMO it is a waste. My bike is covered if I sink it, wreck it, it gets stolen etc... For those of you who have it covered under your homeowners you may want to read your policy to make sure it is covered off premises. I work for State Farm and can tell you for a fact that ATV, tractors etc.. are covered under the homeowners ONLY if they are used strictly on premises for the maintenance of your own property.

 

[canlander]

I have Foremost the same policy as dwantonxxc and it covers everthing and the full price of what the bike is worth plus all add ons

 

[grenade]

mine is 20

 

[Mile Hi Outlaw]

mine is 20

20 what? and what do you get for this 20 :th_smiliethumbsup:

 

[Mile Hi Outlaw]

:smilietwocents: Why do people keep telling us what they pay for insurance but not state what they are getting for this money. It is like trying to compare apples to oranges. What are you covered for? If you got it for $75 and have no coverage means nothing. And then is that for 6 or 12 months :smilietwocents: :yahoo:

 

[Backwoodsrider]

:smilietwocents: Why do people keep telling us what they pay for insurance but not state what they are getting for this money. It is like trying to compare apples to oranges. What are you covered for? If you got it for $75 and have no coverage means nothing. And then is that for 6 or 12 months :smilietwocents: :yahoo:

I'm about $300 a year for:
- Fire
- Theft
- Property Damage and Loss
- Comprehensive
- Collision

I use TD Primum Insurance. They have been great to deal with.

Primmum Insurance Company - Tips on Buying a Car - Article from TD Insurance Meloche Monnex

 

[Mile Hi Outlaw]

:smilietwocents: Why do people keep telling us what they pay for insurance but not state what they are getting for this money. It is like trying to compare apples to oranges. What are you covered for? If you got it for $75 and have no coverage means nothing. And then is that for 6 or 12 months :smilietwocents: :yahoo:

I'm about $300 a year for:
- Fire
- Theft
- Property Damage and Loss
- Comprehensive
- Collision

That is just the point that I'm making. This could be a good thread for riders to compair insurance if you gave full information to compare.

My insurance:AARP Hartford

2007 Arctic Cat 700cc and 2011 CA outie 650cc.

full insurance all deductibles are $250

Bodily injury liability each person $250,000 $500,000 each accident

Property Damage $100,000; Medical payments $1,000

Includes up to $1,500 Custom Equipment and up to $2,500 for RV trailer.

Did not take uninsured motorist

 

[undertakern20]

12 month policy thru allstate (have the auto's with them just called and said I'm buying the quad I want insurance no shopping around)

$376 for the year

100/300k liability, 100 property, 10k medical, 100/300k uninsured, (about 180 of premium)

$500 deductables on comp/collision 1k in aftermarket(195 of the premium is comp/collision)

could have gotten insurance for less, but I know allstate pays if something happens (kinda used it on my truck)