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Old 04-14-2016, 09:10 AM   #1
zikaprevail
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question about insurance

I dropped my bike over when wasn't moving or anything and state farm denied my claim. got scratches now on the fairings which are expensive. basically they denied my claim saying was a collision and not covered under comprehensive. this was a few months back. yesterday they call me saying that insurance has changed across the nation and theyre raisin my rates 24 a month and now going to cover my gear under comprehensive..so basically im paying 24 more a month to insure my jacket and helmet...well I played dumb and asked if I dropped my bike over would it be covered under comprehensive and she told me yes...so what is it yes or no they denied it saying I collided with the curb...if anyone can tell me this and or the name of a good bike insurance company please let me know
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Old 04-14-2016, 09:13 AM   #2
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Who's the company? Is the agent involved?
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Old 04-14-2016, 09:17 AM   #3
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Quote:
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Who's the company? Is the agent involved?
state farm and yeah he said its collision because it "collided" with the curb next to it.
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Old 04-14-2016, 01:01 PM   #4
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Lots of people pointed me towards State Farm when I bought mine, but Progressive ended up being way cheaper.

For liability it was:

State Farm $32
Progressive $11

Won't your rates go up if you make a claim, anyway? What is cheaper in the long run, new fairings or your rate increase due to the claim?
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Old 04-14-2016, 01:06 PM   #5
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Usaa if your a veteran if not try dairyland cycle
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Old 04-14-2016, 05:52 PM   #6
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USAA doesn't cover bikes. They referred me to Progressive.
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Old 04-14-2016, 06:12 PM   #7
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USAA doesn't cover bikes. They referred me to Progressive.
Ok i didnt see that on the website. I must had missed it
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Old 04-14-2016, 06:40 PM   #8
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Why would you want to make a claim for some minor scratches? You realize that will bring your rates up? It would be cheaper to hire someone to do the paint work.
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Old 04-15-2016, 07:43 AM   #9
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Quote:
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Ok i didnt see that on the website. I must had missed it
But it is USAA through Progressive. Not sure if that makes a difference.

Is there much of a difference in cost between comp and collision? I would think theft is as much as a risk as a wreck. And if comp covers vandalism, how do they know someone did not push it over?
That being said, I have never heard good things about State Farm. Except Jake.

I used to have Dairyland also.
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Old 04-15-2016, 07:44 AM   #10
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post a pic of the damage.
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Old 04-15-2016, 08:05 AM   #11
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I have GEICO.

Full coverage for two bikes: $1,059.00 ($98.55 per month)

No idea if that's a good deal. Being using GEICO for years.
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Old 04-15-2016, 08:11 AM   #12
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Quote:
Originally Posted by zikaprevail View Post
I dropped my bike over when wasn't moving or anything and state farm denied my claim. got scratches now on the fairings which are expensive. basically they denied my claim saying was a collision and not covered under comprehensive. this was a few months back. yesterday they call me saying that insurance has changed across the nation and theyre raisin my rates 24 a month and now going to cover my gear under comprehensive..so basically im paying 24 more a month to insure my jacket and helmet...well I played dumb and asked if I dropped my bike over would it be covered under comprehensive and she told me yes...so what is it yes or no they denied it saying I collided with the curb...if anyone can tell me this and or the name of a good bike insurance company please let me know
Call Tuan, he can answer your questions and works for SF.


He's listed in the sponsor section.
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Old 04-15-2016, 08:52 AM   #13
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http://www.valuepenguin.com/collisio...-car-insurance
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Old 04-15-2016, 08:54 AM   #14
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should have said a dog knocked it over or a kid
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Old 04-17-2016, 12:02 AM   #15
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Quote:
Originally Posted by Wawazat?! View Post
USAA doesn't cover bikes. They referred me to Progressive.
They do if you had a motorcycle policy prior to 2003. I've had all my bikes with them since '98 and they still cover my motorcycle.
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Old 04-17-2016, 12:04 AM   #16
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Interesting. That was before my service and well before I started riding. Thanks for the info.
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Old 04-17-2016, 10:16 PM   #17
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I wouldn't make a claim on a tip over, it happens to all of us. Just live with it.
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