Posts
762
Joined
2/21/2009
Location
Fort Dodge, IA
US
Edited Date/Time
12/16/2014 8:12am
Has anyone had any trouble with Progressive insurance? My friend has been with them since 2007. He has 3 bikes with full coverage insurance. One of the bikes had a weird crash and broke the frame. 2014 model with about 20 hours on it. The agent came out, looked at the bike and declared it totaled. The a few days later, they stated their son had ridden or raced on a MX track so they would not cover the claim.
So my question. Why would anyone insure with them if they won't cover a bike that has been on an MX track? What about theft? What about liability?
So if your at the local MX track just riding around and you hit and injure another rider. Because you were riding on a track your not covered? I believe I will be dropping my policy and switching to another insurance company. Bad deal for a company that sponsors the sport. I've been with them since 2001.
So my question. Why would anyone insure with them if they won't cover a bike that has been on an MX track? What about theft? What about liability?
So if your at the local MX track just riding around and you hit and injure another rider. Because you were riding on a track your not covered? I believe I will be dropping my policy and switching to another insurance company. Bad deal for a company that sponsors the sport. I've been with them since 2001.
Call me old fashioned but I would just find a weld shop to fill that tab in with a thick bead then re-tap a hole when I got home....
And I guess I can't help with the claims question. I've never had insurance on a bike. I've ways been under the impression that you could get theft protection, but claims on broken parts/etc. wouldn't be covered.
Normally they will pay off the lien or pay the policy holder what they think the bike is worth and declare the title "salvage". What you do after that is up to you.
EDIT: Also depends on the coverage policy!
The Shop
Why didn't they just say it happened when something in their garage fell on top of the bike? That's homeowners insurance, much easier to deal with.
I did not know you could get accident coverage on a dirt bike. If he crashed the bike and it was his fault, there really is no fault given on a closed course track, why is he expecting Progressive to pay to completely fix the bike? It doesn't work that way when you crash your car and it's your fault.....
I guess if they're looking for a payout then fight it.... But I mean wow.... That's common mx shit right there, buy yourself a 10mm tap and find an aluminium welder.
People really just buy a whole new frame?!?!
I would fix it too. I wouldn't make a claim to an ins. co. for that either.
So, what's to stop someone from buying a new bike, insuring it, ride the piss out of it, then have a "collision" with a quad that will total the bike?
Pit Row
Health reform ended lifetime limits in 2010, meaning health plans can no longer cap the amount of money spent on essential health benefits during the entire time you are enrolled in the plan. And beginning in 2014, the law prohibits health plans from imposing annual limits. Also you can get covered for preexisting conditions and keep your kids on your plan until their 26.
My mom was able to get insurance on some bikes but it was for theft only.
Is this a bad thing or a good thing? If I was dying and needed 400K to live I think it would be a good thing.
Post a reply to: Progressive won't pay.