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2008 High Lifter Edition Polaris Sportsman 800HO

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Insurance - 7/25/2008 10:19:39 AM

Kaw Kaw 650

Posts: 2002
Joined: 3/3/2003
From: NORTH MISSISSIPPI
Status: offline

Well back when I purchases my rzr about 2 months ago I mistakely rolled it on its left side. Damage was right rear plastic cracked roll cage shifted about an inch into the bed and hole through front fender. Well today I dropped the rzr off for first service and he said that if I ever had to take the bed off I couldnt put it back on becuase the roll cage is bent back into it a little . I see what he is talking about. Well I was thinking couldt I claim this on my insurance and get all the fenders and roll cage fixed? If I could I was gonna replace the fenders with the new camo fenders. I have State Farm insurance with $250 deductable. Do you guys think this would work I have never used atv insurance

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Polaris RZR 800

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RE: Insurance - 7/25/2008 11:40:26 AM

La-MUDD 2

Posts: 6009
Joined: 2/15/2001
From: The Promise Land
Status: offline

quote:

ORIGINAL: Kaw Kaw 650

Well back when I purchases my rzr about 2 months ago I mistakely rolled it on its left side. Damage was right rear plastic cracked roll cage shifted about an inch into the bed and hole through front fender. Well today I dropped the rzr off for first service and he said that if I ever had to take the bed off I couldnt put it back on becuase the roll cage is bent back into it a little . I see what he is talking about. Well I was thinking couldt I claim this on my insurance and get all the fenders and roll cage fixed? If I could I was gonna replace the fenders with the new camo fenders. I have State Farm insurance with $250 deductable. Do you guys think this would work I have never used atv insurance

Contact you State Farm Agent for complete details on your policy, but in a nutshell; yes. If you had insurance on your atv through State Farm prior to the accident with a physical damage ded of $250.00, then State Farm would pay for all the damage caused by the rollover; less your $250.00 ded. They will either send an adjuster out to the dealership to verify the damage and/or get with your dealer to establish the amount to repair. State Farm will only pay for the cost of the same/similar parts, not any upgrades...but you could still have that option and just pay the difference. Good Luck.

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***I am the voice of the SILENT majority***
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(in reply to Kaw Kaw 650)

Post #: 2

RE: Insurance - 7/25/2008 11:43:30 AM

mudfreak

Posts: 295
Joined: 8/14/2007
From: The Show Me State
Status: offline

be careful the will may total if the frame is bent, happend to a freind of mine.

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2004 foreman
26x12x12 Mst's(all four corners)
Black itp wheels
SuperTrapp MudSlinger
HL springs
HL disk brakes
HL extreme rear shoes
HL full skids
HL clutch kit
HL extreme Bearings
HL leak sheild
Triangle snorkel
Perfex lift

(in reply to La-MUDD 2)

Post #: 3

RE: Insurance - 7/25/2008 12:18:03 PM

La-MUDD 2

Posts: 6009
Joined: 2/15/2001
From: The Promise Land
Status: offline

quote:

ORIGINAL: mudfreak

be careful the will may total if the frame is bent, happend to a freind of mine.

A good rule of thumb State Farm and other carriers use is to be considered for a total loss, the damage must be approx 70% of the area market value for that vehicle/atv/boat,...etc. That gives you a rough idea what may/could take place.

_____________________________

www.payneinsurancegroup.com

***I am the voice of the SILENT majority***
***Its not Jiu-Jitsu, unless its GRACIE Jiu-Jitsu***

(in reply to mudfreak)

Post #: 4