February 17th, 2016, 11:59 AM | #1 |
ninjette.org member
Name: Joe
Location: Incirlik AB, Turkey
Join Date: Apr 2013 Motorcycle(s): 2011 Ninja 250r SE Posts: 61
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Not a wreck but wtf
So my sister went into her garage where my motorcycle was stored and apparently found it on its side and the fairings busted up and he has tank dented. Well I have full coverage storage insurance which doesn't cover collision apparently I'm learning today and guess what progressive decided to assume it wasn't vandalism to assume it wasn't an animal climbing on it and that it just simply fell over and which is declared a collision accident not comprehensive. So anyone wanna buy parts off this because I feel ill make more money parting it out than if I fixed it and sold it lol. I'm also just tired of dealing with it. I'm in Ohio
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February 17th, 2016, 12:09 PM | #2 |
The Corner Whisperer
Name: Chris (aka Reactor)
Location: Northern KY
Join Date: May 2011 Motorcycle(s): 2010 250 (track), 1992 250, 2006 R6 (street/track), 2008 R6 (track) Posts: Too much.
MOTY 2015, MOTM - Nov '12, Nov '13
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That sucks...
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Goal: Shake A Million Hands | Look through the corners | Track Day Prep | Closest track? | The Mid-Ohio School |
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February 17th, 2016, 12:15 PM | #3 |
ninjette.org certified postwhore
Name: Kerry
Location: Ventura, CA
Join Date: Jan 2016 Motorcycle(s): Ninja650 Posts: A lot.
MOTM - Apr '18, Apr '17, Apr '16
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Oh, no, that sucks.
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February 17th, 2016, 12:26 PM | #4 |
ninjette.org member
Name: Joe
Location: Incirlik AB, Turkey
Join Date: Apr 2013 Motorcycle(s): 2011 Ninja 250r SE Posts: 61
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Yeah, not a fan at all. Just hate how they use assumptions when it costs me hundreds of dollars to repair the damage.
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February 17th, 2016, 12:53 PM | #5 |
ninjette.org member
Name: AL
Location: west new york
Join Date: Nov 2010 Motorcycle(s): ex250r, vulcan 800b, k1200r Posts: 40
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Progressive Insurance will always rip people off. The supports liberal activities like bike's noisy exhaust, gun control, E-25 ethanol use on engine. FLO is not your friend.
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February 17th, 2016, 02:36 PM | #6 | |
Slower than you.
Name: toEleven
Location: NoVA
Join Date: Oct 2015 Motorcycle(s): CBR600RR, CB750, EX300 (半蔵) Posts: 667
MOTM - May '16
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Quote:
Without any clear evidence of how it went from vertical to horizontal, they'd be using assumptions even if they went with the animal/vandalism/etc route. You can definitely be sure insurance businesses are out to protect what matters to them, though, and paying out on claims is not in their interest.
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DISCLAIMERv1.0: There may be more info on the topic than this forum post. Conduct your own research. If another thread is linked or quoted, go read it yourself. |
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February 17th, 2016, 02:46 PM | #7 |
The Corner Whisperer
Name: Chris (aka Reactor)
Location: Northern KY
Join Date: May 2011 Motorcycle(s): 2010 250 (track), 1992 250, 2006 R6 (street/track), 2008 R6 (track) Posts: Too much.
MOTY 2015, MOTM - Nov '12, Nov '13
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It's still kinda sad that "full coverage" isn't really what it means, it's actually much, much less. But they don't mind charging your like it seems to mean.
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Goal: Shake A Million Hands | Look through the corners | Track Day Prep | Closest track? | The Mid-Ohio School |
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February 17th, 2016, 02:51 PM | #8 |
ninjette.org sage
Name: Kevin
Location: Portland, OR
Join Date: Oct 2013 Motorcycle(s): Ninja 250R, Tiger 800 XRT Posts: 828
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Bikes don't "just fall over" just like guns don't "just go off". That really sucks man.
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February 17th, 2016, 03:44 PM | #9 |
Nooblet
Name: Akima
Location: England
Join Date: Jul 2011 Motorcycle(s): 2011 Ninja 250R FI Posts: A lot.
Blog Entries: 5
MOTM - Oct '13
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@JanqeD - sorry to hear that You really going to sell your bike then? That's it? No more riding?
It sounds like this isn't the first time you've had something like this happen. Is it pretty rough where you live?
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February 17th, 2016, 04:08 PM | #10 |
ninjette.org certified postwhore
Name: Ryan
Location: Beaufort SC
Join Date: Aug 2015 Motorcycle(s): 05 Ninja 250, 04 KTM 625 SMC, 01 Xc250 Posts: A lot.
Blog Entries: 3
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Man... Why you gotta inform me and make me hate my insurance company. They by far had the cheapest PLPD insurance plan. $7 a month for the ninja.
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Because Unregistered sucks at riding. |
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February 17th, 2016, 04:22 PM | #11 |
Vintage Screwball
Name: B
Location: Washington
Join Date: Feb 2016 Motorcycle(s): 2011 Ninja 250, 2008 Ninja 250, 2019 KTM 1290SDR, 2017 FZ10 Posts: A lot.
MOTM - Mar '16
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So uh, I've seen some pretty cool cafe builds that don't need fairings.
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Goin' fast on slow bikes! |
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February 17th, 2016, 04:52 PM | #12 |
Slower than you.
Name: toEleven
Location: NoVA
Join Date: Oct 2015 Motorcycle(s): CBR600RR, CB750, EX300 (半蔵) Posts: 667
MOTM - May '16
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Emphasis addedDevil's advocate: it's the exact amount of coverage spelled out in the contract one agrees to. The terms of that contract carry more weight than the title.
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DISCLAIMERv1.0: There may be more info on the topic than this forum post. Conduct your own research. If another thread is linked or quoted, go read it yourself. |
2 out of 2 members found this post helpful. |
February 17th, 2016, 05:45 PM | #13 |
ninjette.org member
Name: Joe
Location: Incirlik AB, Turkey
Join Date: Apr 2013 Motorcycle(s): 2011 Ninja 250r SE Posts: 61
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It's not the first time and I'll get back to riding but it won't be on this bike. I just want to get rid of this head ache. Concentrate on getting my plane ready to get in the air for spring then I'll come back and either get bigger ninja or a cruiser.
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February 17th, 2016, 07:10 PM | #14 |
sammich maker
Name: snot
Location: West Ohio - in the kitchen
Join Date: Feb 2012 Motorcycle(s): 2013 white 300, 09 KLX 250 SF, 09 thunder blue 250(traded) Posts: A lot.
MOTM - Apr '15
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just curious where in Ohio are you?
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https://www.brocksperformance.com/VZ...0035+C450.aspx |
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February 18th, 2016, 07:15 AM | #15 |
ninjette.org member
Name: Joe
Location: Incirlik AB, Turkey
Join Date: Apr 2013 Motorcycle(s): 2011 Ninja 250r SE Posts: 61
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1 out of 1 members found this post helpful. |
February 18th, 2016, 04:03 PM | #16 |
sammich maker
Name: snot
Location: West Ohio - in the kitchen
Join Date: Feb 2012 Motorcycle(s): 2013 white 300, 09 KLX 250 SF, 09 thunder blue 250(traded) Posts: A lot.
MOTM - Apr '15
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ummm.... you are an hour from me... I am south west between sidney and troy.
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February 18th, 2016, 07:04 PM | #17 |
ninjette.org member
Name: Joe
Location: Incirlik AB, Turkey
Join Date: Apr 2013 Motorcycle(s): 2011 Ninja 250r SE Posts: 61
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February 20th, 2016, 11:05 AM | #18 | |
EX500 full of EX250 parts
Name: Bill
Location: Grand Rapids-ish, MI
Join Date: Jul 2012 Motorcycle(s): '18 Ninja 400 • '09 Ninja 500R (selling) • '98 VFR800 (project) • '85 Vulcan VN700 (sold) Posts: A lot.
Blog Entries: 1
MOTM - Aug '15
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Quote:
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*** Unregistered, I'm not your mom and I'm not paying for your parts, so do whatever you want with your own bike. *** |
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February 27th, 2016, 09:52 PM | #19 |
cadd cadd cadd
Name: Cadd
Location: 41°21'13.1"N, 74°41'37.4"W
Join Date: Jan 2014 Motorcycle(s): 300 Posts: A lot.
MOTM - May '15
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So, if it was in a garage, and no one knocked it over...how did it fall over?
The insurance calling it a collision is BS in my books. I thought that's something your comprehensive coverage would cover, no?
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Riding it like I financed it. |
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March 12th, 2016, 05:38 PM | #20 |
ninjette.org member
Name: Jaxon
Location: Streator (Starved rock) IL
Join Date: Mar 2016 Motorcycle(s): None anymore/yet Posts: 28
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Guilty until proven innocent...
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May 24th, 2016, 01:18 PM | #21 |
Just sittin on my stool..
Name: Amanda
Location: Bloomington, IN
Join Date: May 2016 Motorcycle(s): 2012 Ninja 250 Posts: 429
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I actually like progressive a lot. I have EVERYTHING on their motorcycle plan, even income loss in case of a critical accident. They are the only ones i found who offered that.
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May 24th, 2016, 01:28 PM | #22 |
ninjette.org member
Name: Brandon
Location: Okanagan
Join Date: Jul 2015 Motorcycle(s): EX250-J Posts: 70
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Man, remove kickstand from bike, place the foot of it on the ground where bike was standing, and smack the ****er with a hammer. Tell them act of God, pavement cracked from sitting in same possition for 4 months. Bike fell as a result. They cannot prove you wrong. My kickstand /centre stand in fact does crack and dig into asphalt after sitting in the same place for a week, there's potential for it to happen on concrete aswell with such a long duration of time sometimes you need to tell a little white lie to get your proper coverage
This will be comprehensive, and they can "f" themselves!!! (The centre stand being on a 84 vt500c Honda shadow not the 08 ninja ) |
1 out of 5 members found this post helpful. |
May 24th, 2016, 01:38 PM | #23 |
Nooblet
Name: Akima
Location: England
Join Date: Jul 2011 Motorcycle(s): 2011 Ninja 250R FI Posts: A lot.
Blog Entries: 5
MOTM - Oct '13
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^ fraud
... theft by false pretence ... nice
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2 out of 2 members found this post helpful. |
May 24th, 2016, 01:44 PM | #24 |
Just sittin on my stool..
Name: Amanda
Location: Bloomington, IN
Join Date: May 2016 Motorcycle(s): 2012 Ninja 250 Posts: 429
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May 24th, 2016, 01:47 PM | #25 |
Just sittin on my stool..
Name: Amanda
Location: Bloomington, IN
Join Date: May 2016 Motorcycle(s): 2012 Ninja 250 Posts: 429
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I don't understand why everyone seems to think if you don't pay for something from an insurance company they should give it to you anyway? I mean there is NO way of knowing if you crashed or if you dropped the bike. Comprehensive covers fire, flood and theft. not dropping it in the garage
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May 24th, 2016, 01:52 PM | #26 |
ninjette.org member
Name: Brandon
Location: Okanagan
Join Date: Jul 2015 Motorcycle(s): EX250-J Posts: 70
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buddy, they stole his insurance money, and didn't cover him when a comprehensive claim actually occurred.
He is bending the truth in his favour, Even if it was another car hitting his bike, it's still a comprehensive claim. Even if his sister knocked the bike over. It's a comprehensive claim. The other persons insurance has to cover you... If not, your comprehensive coverage steps up. (Theft, hit and run, act of God.) Unless he is lying, and someone was riding the bike... In that case don't do what I said you're already trying to cheat :/ If something legitimately happened to my bike, that was comprehensive, and they said it was collision, I would be forced to show them otherwise. No business in the world, is gonna take my money without providing some service or product... Take it how you will. I'm not a thief, if it was collision, and I was proving it to be comprehensive... That's a little different. |
1 out of 3 members found this post helpful. |
May 24th, 2016, 03:26 PM | #27 | |
Nooblet
Name: Akima
Location: England
Join Date: Jul 2011 Motorcycle(s): 2011 Ninja 250R FI Posts: A lot.
Blog Entries: 5
MOTM - Oct '13
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Quote:
Not everyone takes the time to read the details of what it is they are buying. Nice.
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May 24th, 2016, 03:30 PM | #28 |
Nooblet
Name: Akima
Location: England
Join Date: Jul 2011 Motorcycle(s): 2011 Ninja 250R FI Posts: A lot.
Blog Entries: 5
MOTM - Oct '13
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I was responding to BDfromBC. He's advocating insurance fraud.
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1 out of 1 members found this post helpful. |
May 24th, 2016, 03:47 PM | #29 |
ninjette.org member
Name: Brandon
Location: Okanagan
Join Date: Jul 2015 Motorcycle(s): EX250-J Posts: 70
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0 out of 3 members found this post helpful. |
May 25th, 2016, 02:51 AM | #30 | ||
Nooblet
Name: Akima
Location: England
Join Date: Jul 2011 Motorcycle(s): 2011 Ninja 250R FI Posts: A lot.
Blog Entries: 5
MOTM - Oct '13
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I'm pretty sure most people on this forum accept that theft is wrong and an almost equally large group likely accept that if you steal from insurance companies premiums go up. That's probably why our posts got voted on the way they did.
Need more input? toEleven correctly said this re insurance: Quote:
If someone believes their insurance company is trying to wiggle out of paying out for a valid claim: 1. Contact insurance company and make your case. If that fails and you truly believe you've been ripped off and it's worth your time fighting the insurance company... 2. Take legal action. 3. Help out your friends by telling them about your experience so they can avoid repeating it themselves. 4. Take your business elsewhere when your policy expires. Personally, if what Memengkamatis said is true about Progressive supporting tyranny and mass control of people (via supporting "gun control"), then I wouldn't give them my business in the first place. Quote:
My statements weren't false. I accept that it's genuinely possible that you didn't/don't understand what it is you are advocating. There was a time in my adult life where I may have said similar things to what you said. I could have been more delicate with how I first responded to you, but honestly: in our culture there is a constant stream of very loud lying, obfuscation & manipulation that twists our thinking. Sometimes, the quickest and most painless way to correct faulty or harmful thought patterns is to simply call a spade a spade. No one wants to be stolen from. Voluntary trade good. Stealing bad.
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May 25th, 2016, 06:37 AM | #31 | |
ninjette.org member
Name: Brandon
Location: Okanagan
Join Date: Jul 2015 Motorcycle(s): EX250-J Posts: 70
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Quote:
I suppose you are right maybe I did not totally understand what I was advocating, i have never done such a thing... I'm young and it's what I probably would have done, had you guys not shown me the other perspective. The part where I said you had no input was because, well, I was responding to the first post with my opinion... I was not expecting response to my opinion, I expected to see MORE opinions, on how to deal with the situation... I'm not a thief or an advocate of insurance fraud. I do not think its right people who buy beat up cars cheap and crash them to get claim... I don't think any straight up fraud is right, I don't think it's right people who call insurance when nothing happened to report hit and runs... I don't like people "adding" information to their claims to get more then they deserve... That is why even in my first post I had said if it was genuinely NOT a comprehensive claim, don't do this... I tried to seem like a "normal" "decent" human being, but you took me as a criminal, though as I said I do understand fully now... Let's all just be friends |
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May 25th, 2016, 06:52 AM | #32 |
ᗧ•••ᗣ•ᗣᗣ•••ᗣ
Name: Nick
Location: NY
Join Date: Nov 2013 Motorcycle(s): 2009 Ninja 250R and 2014 Triumph 675R Posts: A lot.
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Personally I would want to hear what kind of animal, the insurance thought, got into the garage that could simply push over a bike. Do you guys store live bears in that garage too? Other wise I don't see even an opossum being able to push a bike over.
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Spoiler for topic:
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May 25th, 2016, 06:57 AM | #33 |
Just sittin on my stool..
Name: Amanda
Location: Bloomington, IN
Join Date: May 2016 Motorcycle(s): 2012 Ninja 250 Posts: 429
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2 out of 2 members found this post helpful. |
May 25th, 2016, 07:08 AM | #34 | |
Private Joker
Name: Ben
Location: Towson, MD
Join Date: Nov 2012 Motorcycle(s): '99/'01 Ninja 250 "sketchy", '13 Ninja 300 "yoshi", '03 GSXR 600 "merlin" Posts: A lot.
MOTM - Mar '14
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Quote:
-as in this case, though this is more progressive trying to get out of paying $$$ I'd say lawyer up to get your $ but they're gambling that it's not worth it to you to lawyer up and they're probably right
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May 25th, 2016, 07:33 AM | #35 | |
Just sittin on my stool..
Name: Amanda
Location: Bloomington, IN
Join Date: May 2016 Motorcycle(s): 2012 Ninja 250 Posts: 429
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Quote:
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May 25th, 2016, 07:44 AM | #36 | |
Nooblet
Name: Akima
Location: England
Join Date: Jul 2011 Motorcycle(s): 2011 Ninja 250R FI Posts: A lot.
Blog Entries: 5
MOTM - Oct '13
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Quote:
I think most people are well intentioned. I think you are probably well intentioned and your post was likely made out of anger at the idea of a fellow human potentially being ripped off. This is admirable, but good intentions alone aren't enough to ensure our actions are good. I think strong principles are required as well. I like this principle, and it applies to this situation: "What you do not want done to yourself, do not do to others." It's not perfect, but that principle works most of the time and in most situations. Yep.
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May 25th, 2016, 12:57 PM | #37 | |
ninjette.org certified postwhore
Name: Ryan
Location: Beaufort SC
Join Date: Aug 2015 Motorcycle(s): 05 Ninja 250, 04 KTM 625 SMC, 01 Xc250 Posts: A lot.
Blog Entries: 3
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Quote:
I have health insurance, so I don't need my motorcycle insurance to cover anything.
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Because Unregistered sucks at riding. |
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May 25th, 2016, 03:18 PM | #38 | |
Vintage Screwball
Name: B
Location: Washington
Join Date: Feb 2016 Motorcycle(s): 2011 Ninja 250, 2008 Ninja 250, 2019 KTM 1290SDR, 2017 FZ10 Posts: A lot.
MOTM - Mar '16
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Quote:
You're assuming your health insurance will cover everything. It probably won't. You're making a lot of assumptions that things will always work out in your favor. They won't.
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Goin' fast on slow bikes! |
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May 25th, 2016, 05:00 PM | #39 | |
ninjette.org certified postwhore
Name: Ryan
Location: Beaufort SC
Join Date: Aug 2015 Motorcycle(s): 05 Ninja 250, 04 KTM 625 SMC, 01 Xc250 Posts: A lot.
Blog Entries: 3
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Quote:
Health insurance never covers everything, but I've had some bad ****, and its covered enough so far, if sure it will stay the same. If you can save enough money for a rainy day you are better off saving your money then spending it on insurance. Just look at OP, he had insurance, did it do him any good?
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Because Unregistered sucks at riding. |
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May 25th, 2016, 05:09 PM | #40 | |
sammich maker
Name: snot
Location: West Ohio - in the kitchen
Join Date: Feb 2012 Motorcycle(s): 2013 white 300, 09 KLX 250 SF, 09 thunder blue 250(traded) Posts: A lot.
MOTM - Apr '15
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Quote:
My 300 full coverage 500 deductable....$89.00 a year...
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