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Old 10-26-2009, 11:06 PM   #21
JonEric0430
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I know that most insurance companies want to look at the bike before they sell full coverage.
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Old 10-26-2009, 11:13 PM   #22
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^ Never come across that with any companies
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Old 10-26-2009, 11:17 PM   #23
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Quote:
Originally Posted by nactx86 View Post
unless you do it over and over...
True. They have guidlines about that. Just like having insurance on a phone. If you lose it more than twice a year, they won't replace it again.
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Old 10-26-2009, 11:17 PM   #24
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Wow, are people really putting up 'I crashed my bike at a trackday and told my insurance agent that it was on a public road' stories???

You guys realize that this is a PUBLIC FORUM, right??????
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Old 10-26-2009, 11:19 PM   #25
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Wow, are people really putting up 'I crashed my bike at a trackday and told my insurance agent that it was on a public road' stories???

You guys realize that this is a PUBLIC FORUM, right??????
they have no clue...
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Old 10-26-2009, 11:20 PM   #26
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they have no clue...
, good thing there's guys like me out here to bring light to their eyes, huh?






I'm going to not comment on my....multiple....insurance claims on various bikes. All of my accidents have been on public roads and have been reported as such.


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Old 10-27-2009, 09:19 AM   #27
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Old 10-27-2009, 09:47 AM   #28
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Quote:
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True! Best thing to do is ask your agent before you get on the track. After reading Linz post again. I think something must have been said somewhere about someone wrecking a bike at the track w/ no insurance then adding insurance and claiming it after the fact. Just a guess. That is fraud!
That's what I would do.
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Old 10-27-2009, 01:30 PM   #29
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Been down twice at the track on different bikes, both times it was cheaper to fix it myself then what the insurance would have cost me.
And..........didn't have to worry about a knock on the door by the popo.
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Old 10-27-2009, 02:49 PM   #30
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That's interesting - I thought insurance would drop you like a brick after you made a claim on riding on the track.

I have liability only. It's a toy, so if I wad it up, it's my loss.

I can't bring myself to pay close to $1.5 - 2K for full coverage per year. That's a new (used) bike every 3 years.
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Old 10-27-2009, 04:00 PM   #31
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There was this guy that crashed his bike at the dragstrip once. It really wasnt that bad at all, a few hundred bucks damage it looked like. They loaded it in someone's truck and while driving down the road they had a brain fart about just chucking it out the back while doing 70 and calling the cops for the insurance claim. They did just that and it happened to be a deputy show up who was at the dragstrip when the laydown happened. They usually stand at the fence and watch for a bit and go back out on patrol. The deputy wrote up the report about what really happened and wrote them a ticket for unsecured load. Nobody went to jail and the insurance company didnt pay after the deputy notified them. The bike was completely destroyed when it was thrown out the truck. Karma was on her game that day..
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Old 10-27-2009, 04:04 PM   #32
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Old 10-27-2009, 04:07 PM   #33
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Quote:
Originally Posted by Oskar_Z28 View Post
That's interesting - I thought insurance would drop you like a brick after you made a claim on riding on the track.

I have liability only. It's a toy, so if I wad it up, it's my loss.

I can't bring myself to pay close to $1.5 - 2K for full coverage per year. That's a new (used) bike every 3 years.
How bad of a driving record do you have? I barely pay that for full coverage on 2 trucks and two bikes.
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Old 10-27-2009, 06:50 PM   #34
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Wow, what insurance you have? I have SF and I am paying close to $1500/year for a truck and a car for me and my wife. Very high liability though.

Bikes - all 3 I am paying - 250/ year for liability only. Last time I inquired about R1 it was something insane - like over $1k per year for a bike that is only worth maybe 5K.

I got clean record.
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Old 10-27-2009, 10:04 PM   #35
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A buddy of mine totalled his Ducati at TWS (Texas World Speedway), insurance paid it off. He planned it out and it worked for him.
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Old 10-27-2009, 10:59 PM   #36
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Quote:
Originally Posted by Oskar_Z28 View Post
Wow, what insurance you have? I have SF and I am paying close to $1500/year for a truck and a car for me and my wife. Very high liability though.

Bikes - all 3 I am paying - 250/ year for liability only. Last time I inquired about R1 it was something insane - like over $1k per year for a bike that is only worth maybe 5K.

I got clean record.
Mine was fawkin outrageous to add full coverage or uninsured/underinsured on it. And this is on a sv650 and it was ridiculous to add it on the 250 even. So I just rock liability and theft for the time being. Until I hit that magical 25 years old where I get way more responsible or something

Clean driving record here as well. Currently paying $25 a month for it. My 02 wrangler has full coverage though and it is not too bad at all
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Old 10-28-2009, 08:27 AM   #37
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Quote:
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A buddy of mine totalled his Ducati at TWS (Texas World Speedway), insurance paid it off. He planned it out and it worked for him.
he planned to wreck a ducati?
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Old 10-28-2009, 08:31 AM   #38
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Quote:
Originally Posted by kawasakijockey View Post
There was this guy that crashed his bike at the dragstrip once. It really wasnt that bad at all, a few hundred bucks damage it looked like. They loaded it in someone's truck and while driving down the road they had a brain fart about just chucking it out the back while doing 70 and calling the cops for the insurance claim. They did just that and it happened to be a deputy show up who was at the dragstrip when the laydown happened. They usually stand at the fence and watch for a bit and go back out on patrol. The deputy wrote up the report about what really happened and wrote them a ticket for unsecured load. Nobody went to jail and the insurance company didnt pay after the deputy notified them. The bike was completely destroyed when it was thrown out the truck. Karma was on her game that day..
YES!!! Now that's just awesome. I bet they all felt like complete jackasses
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Old 10-28-2009, 08:38 AM   #39
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If I was an insurance company there would be no way in hail I would cover trackdays. If you go around enough, eventually you will crash. You are more likely to wreck on the track then the street, UNLESS your riding extremely slow with very light traffic on the track.

I've seen more crashes on the track in 10tds then I have in 5 years of streetriding.
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Old 10-28-2009, 08:46 AM   #40
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Quote:
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he planned to wreck a ducati?
Nope, he planned out the story to insurance... I dont think I could go through with insurance fraud. I would be all nervous while they were asking me questions..... I suck at lying
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