Insurance

Insurance (Full Version)

All Forums >> [Most Popular Discussions] >> The MUD Hole



Message


Kaw Kaw 650 -> Insurance (7/25/2008 10:19:39 AM)

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




La-MUDD 2 -> RE: Insurance (7/25/2008 11:40:26 AM)

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.




mudfreak -> RE: Insurance (7/25/2008 11:43:30 AM)

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




La-MUDD 2 -> RE: Insurance (7/25/2008 12:18:03 PM)

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.




Page: [1]



Forum Software © ASPPlayground.NET Advanced Edition 2.5.5 Unicode

0.219