the miracle of insurance and a bit of luck - Chicagoland Sportbikes
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post #1 of 14 (permalink) Old 04-26-2008, 09:48 PM Thread Starter
Jewrassic Park Runaway
 
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the miracle of insurance and a bit of luck

As most of you know I crashed 10 days ago in WI. There results - totaled bike and fractured elbow

Now to the good part:

Thanks to State Farm full coverage, good friends and good luck, I am back in the business:

1 year ago: 2005 Triumph Sprint ST with 2500 miles on the clock:



10 days ago: 2005 Triumph Sprint ST with 10000 miles on the clock and some signs of wear and tear:



Today: 2006 Triumph Sprint ST ABS with 5600 miles on the clock, hard bags and not a scratch and some money left to replace the lost gear (shoei helmet on order!):



My biggest luck was in having such a good friend as Spas, he helped me to get the old bike to the shop, found my new bike on craigslist and drove there to look at the bike and load it on the trailer, if it was not for him, I would be sitting in the empty garage nursing my busted arm right now!

State Farm FTW!!!! Spas's wife, Kate, is my agent, thanks to her everything was smooth as a butter, I had the settlement and the check ready for local pick up exactly 1 week after the crash, no issues whatsoever, everything was dealt with in fast and fair manner.

I am happy as a pig in the mudd and after kids are asleep, I am going to sit in the garage, finish a bottle of wine and talk to my new bike!
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post #2 of 14 (permalink) Old 04-26-2008, 11:27 PM
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Gongrats on the new to you bike. Now all you gotta do is heal up quick so you can get out and ride. State Farm is good insurance. They took care of my truck when it got totaled in December and I got more money out of it than I thought I would.
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post #3 of 14 (permalink) Old 04-26-2008, 11:49 PM
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I used to like State Farm... Glad they took care of you
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post #4 of 14 (permalink) Old 04-27-2008, 03:20 AM
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Good show man, heal up!

Brian
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post #5 of 14 (permalink) Old 04-27-2008, 03:33 AM
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Nice looking ride. I never realized that bike was a sssa. Looks great. Glad everything worked out ok.
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post #6 of 14 (permalink) Old 04-27-2008, 09:28 AM
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Damn! nice quick turnaround, thats awesome!




HDTony.... Damn glad to meet you!

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post #7 of 14 (permalink) Old 04-27-2008, 09:31 AM
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Congrats on the new ride
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post #8 of 14 (permalink) Old 04-27-2008, 09:51 AM
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State Farm FTMFW! Great service and timely payouts not to mention...
155 per year for FULL Coverage on the R6 and 390 per year for FULL Coverage on the Busa!
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post #9 of 14 (permalink) Old 04-27-2008, 09:57 AM
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I hope she did tell you that you can claim your helmet too. All insurances are alike. In the early days when I had full coverage and wiped out , Country financial covered the bike, the tow and the helmet. Sweet. Ride safe.

CCS 787(ex). 08r6
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post #10 of 14 (permalink) Old 04-27-2008, 10:01 AM Thread Starter
Jewrassic Park Runaway
 
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Quote:
Originally Posted by DieselBoy View Post
I hope she did tell you that you can claim your helmet too. All insurances are alike. In the early days when I had full coverage and wiped out , Country financial covered the bike, the tow and the helmet. Sweet. Ride safe.
she sure did - I got paid for helmet, GPS and all aftermarket add-ons as well!
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post #11 of 14 (permalink) Old 04-27-2008, 10:18 AM
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Does state farm automatically cover all your accessories, or you need to get additional accessory coverage (ie, gear, gps, saddle bag/trunk, after market exhaust, etc...)?

I'm with geico (better rate), but they only cover up to $500 of accessories without paying more.
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post #12 of 14 (permalink) Old 04-27-2008, 10:27 AM Thread Starter
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Quote:
Originally Posted by GPz1100 View Post
Does state farm automatically cover all your accessories, or you need to get additional accessory coverage (ie, gear, gps, saddle bag/trunk, after market exhaust, etc...)?

I'm with geico (better rate), but they only cover up to $500 of accessories without paying more.
I asked and was told there was no limit, the thing is that if the bike is totaled, you don't get the replacement value, since they are concidered integral part of the bike, so you only get "additional resale value"

For example, MSRP for new hard luggage for my bike is about $900, and if the bike would not be totaled, thats how much I would get to replace them, but since the bike is totaled, they figured that they add about $300 to retail value of the bike, so you can get new one with them for that price. Good thing that I got them on ebay for $400

Same goes for other stuff. I got paid about $1100 for my gear and add-ons - thats GPS, helmet, CF rear hugger and hard bags. I also got reimbursed for sales tax I paid for the bike when bought it and doc fees.
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post #13 of 14 (permalink) Old 04-27-2008, 11:19 AM
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Quote:
Originally Posted by bluebusa07 View Post
State Farm FTMFW! Great service and timely payouts not to mention...
155 per year for FULL Coverage on the R6 and 390 per year for FULL Coverage on the Busa!
Glad to hear Samal's injuries were not too bad and he made out OK on a new ride.

But I'm shopping for home, auto and mc insurance now. Currently I have Nationwide and have priced Progressive and Geico, and am waiting for the quoute from State Farm. I am also going to shop Farmers, Allstate and hartford (thru AARP). Thing is, for b/i&p at 100/300/100k, no med coverage, 100/300 uninsured/underinsured BI, no transport, $100 comp ded, $100 ded collision, including discounts for home policy, I have and am getting quoted around $690 a year on a Skokie garaged 98 Honda VTR1000F Superhawk with no tickets or accidents and being +50!!!!

BlueBusa07, are your limits the statutory minimums without any bells or whistles, higher deductables and because your up in Zion (Lake Co)???
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post #14 of 14 (permalink) Old 04-27-2008, 11:55 AM
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Quote:
Originally Posted by skokievtr View Post
Glad to hear Samal's injuries were not too bad and he made out OK on a new ride.

But I'm shopping for home, auto and mc insurance now. Currently I have Nationwide and have priced Progressive and Geico, and am waiting for the quoute from State Farm. I am also going to shop Farmers, Allstate and hartford (thru AARP). Thing is, for b/i&p at 100/300/100k, no med coverage, 100/300 uninsured/underinsured BI, no transport, $100 comp ded, $100 ded collision, including discounts for home policy, I have and am getting quoted around $690 a year on a Skokie garaged 98 Honda VTR1000F Superhawk with no tickets or accidents and being +50!!!!

BlueBusa07, are your limits the statutory minimums without any bells or whistles, higher deductables and because your up in Zion (Lake Co)???

Mine are the minimums with a 500 deductible. No medical either as im in the military and have free medical.
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