Not a wreck but wtf

[JanqeD]

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

[csmith12]

That sucks...

[CaliGrrl]

Oh, no, that sucks.

[JanqeD]

Yeah, not a fan at all. Just hate how they use assumptions when it costs me hundreds of dollars to repair the damage.

[Memengkamatis]

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.

[toEleven]

Originally Posted by JanqeD

Yeah, not a fan at all. Just hate how they use assumptions when it costs me hundreds of dollars to repair the damage.

Definitely sucks, and I'm sorry for your loss.

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.

[csmith12]

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.

[Ralgha]

Bikes don't "just fall over" just like guns don't "just go off". That really sucks man.

[akima]

@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?

[HoneyBadgerRy]

Originally Posted by Memengkamatis

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.

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.

[RacinNinja]

Originally Posted by JanqeD

Yeah, not a fan at all. Just hate how they use assumptions when it costs me hundreds of dollars to repair the damage.

So uh, I've seen some pretty cool cafe builds that don't need fairings.

[toEleven]

Emphasis added

Originally Posted by csmith12

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.

Devil'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.

[JanqeD]

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.

[snot]

just curious where in Ohio are you?

[JanqeD]

Originally Posted by snot

just curious where in Ohio are you?

Ada, Ohio 45810

[snot]

Originally Posted by JanqeD

Ada, Ohio 45810

ummm.... you are an hour from me... I am south west between sidney and troy.

[JanqeD]

Originally Posted by snot

ummm.... you are an hour from me... I am south west between sidney and troy.

Oh ok yeah I've been to Troy and Sidney a few times :P

[InvisiBill]

Originally Posted by https://www.progressive.com/glossary/comprehensive-and-collision/

With Collision coverage, your insurance company pays for damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.

With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply.

Technically I guess it did collide with the ground, but generally Collision is when you have an "accident" of some sort. I'd personally be fighting any decision that an incident not involving a rider or another vehicle would somehow fall under Collision.

[cadd]

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?

[Jdero_620]

Guilty until proven innocent...

[ZeroGravity360]

Originally Posted by Memengkamatis

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.

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.

[BDfromBC]

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 )

[akima]

^ fraud

... theft by false pretence

... nice

[ZeroGravity360]

Originally Posted by akima

^ fraud

... theft by false pretence

... nice

huh??

[ZeroGravity360]

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

[BDfromBC]

Originally Posted by akima

^ fraud

... theft by false pretence

... nice

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.

[akima]

Originally Posted by BDfromBC

buddy, they stole his insurance money, and didn't cover him when a comprehensive claim actually occurred.

You don't know that.

Not everyone takes the time to read the details of what it is they are buying.

Originally Posted by BDfromBC

He is bending the truth in his favour,

Nice.

[akima]

Originally Posted by ZeroGravity360

huh??

I was responding to BDfromBC. He's advocating insurance fraud.

[BDfromBC]

Originally Posted by akima

I was responding to BDfromBC. He's advocating insurance fraud.

my name is Akima, I can +1 with no valid input!

Oh are you slandering me? That seems to be against the law as well.

[akima]

Originally Posted by BDfromBC

my name is Akima, I can +1 with no valid input!

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:

Originally Posted by toEleven

Devil'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.

It's very likely that JanqeD's insurance policy doesn't cover his garage incident.

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.

Originally Posted by BDfromBC

Oh are you slandering me? That seems to be against the law as well.

Committing "slander" refers to making false statements injurious to a person's reputation.

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.

[BDfromBC]

Originally Posted by akima

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:



It's very likely that JanqeD's insurance policy doesn't cover his garage incident.

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.



Committing "slander" refers to making false statements injurious to a person's reputation.

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.

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

[DEFY]

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.

[ZeroGravity360]

Originally Posted by DEFY

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.

[Sirref]

Originally Posted by HoneyBadgerRy

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.

That's pretty low, sounds like you got the bare minimum. I paid $35/mo (or $420/yr) for some seriously good coverage when I was in your shoes on the pregen. When you don't have good coverage you run the risk of your insurance being useless when you need it

-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

[ZeroGravity360]

Originally Posted by Sirref

That's pretty low, sounds like you got the bare minimum. I paid $35/mo (or $420/yr) for some seriously good coverage when I was in your shoes on the pregen. When you don't have good coverage you run the risk of your insurance being useless when you need it

-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

I pay 60 a month for EVERYTHING they offer including medical and income loss.

[akima]

Originally Posted by BDfromBC

... 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.

...

I'm not a thief or an advocate of insurance fraud.

I understand and can relate

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.

Originally Posted by BDfromBC

Let's all just be friends

Yep.

[HoneyBadgerRy]

Originally Posted by Sirref

That's pretty low, sounds like you got the bare minimum. I paid $35/mo (or $420/yr) for some seriously good coverage when I was in your shoes on the pregen. When you don't have good coverage you run the risk of your insurance being useless when you need it

-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

PLPD or personal liability and property damage is the bare minimum. I really don't see the need for anything more. If I wreck and damage my stuff I'll pay for it, I don't want the insurance company marking my bike totaled. If somebody wrecks into me, their insurance will cover it, and I don't have to worry.

I have health insurance, so I don't need my motorcycle insurance to cover anything.

[RacinNinja]

Originally Posted by HoneyBadgerRy

PLPD or personal liability and property damage is the bare minimum. I really don't see the need for anything more. If I wreck and damage my stuff I'll pay for it, I don't want the insurance company marking my bike totaled. If somebody wrecks into me, their insurance will cover it, and I don't have to worry.

I have health insurance, so I don't need my motorcycle insurance to cover anything.

You're assuming they have insurance. You're also assuming they will pay out and you won't have to worry and all costs will be covered. Probably not.

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.

[HoneyBadgerRy]

Originally Posted by RacinNinja

You're assuming they have insurance. You're also assuming they will pay out and you won't have to worry and all costs will be covered. Probably not.

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.

If you have insurance, you have uninsured driver insurance.

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?

[snot]

Originally Posted by Sirref

That's pretty low, sounds like you got the bare minimum. I paid $35/mo (or $420/yr) for some seriously good coverage when I was in your shoes on the pregen. When you don't have good coverage you run the risk of your insurance being useless when you need it

-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

My 300 full coverage 500 deductable....$89.00 a year...