Dealing with insurance

Honko · September 12th, 2011, 09:54 AM

I posted this in my crash thread already but figured I'd make a separate thread for in the hopes of a getting more responses to it.

Just got a call back from Progressive (my insurance company) saying that they'd have to total the bike, which was pretty much expected given the damage to the front and the exhaust, but it's still sad to hear it officially. Geico (the other guy's insurance company) still hasn't made contact with their guy so I was going to just have mine handle it and then let them deal with the hassle of tracking down the other guy.

I've never had to actually deal with insurance before, so, is that a good idea or should I just wait for Geico to make contact with the other guy? I'd like to get back on a bike sooner rather than later but not if handling it this way is going to come back to bite me in the ass.

setasai · September 12th, 2011, 10:16 AM

I would just let your insurance handle it. It's kinda what they're for, dealing with the other party and getting you back up and running as soon as possible.

dubojr1 · September 12th, 2011, 02:53 PM

I agree. Dealing with your company will be the easiest however I think my Statefarm makes you pay the deductible up front and then it's reimbursed at the end. I'm not sure of Progressive's policy.

Honko · September 12th, 2011, 07:25 PM

Progressive has the same one. I just have to pay my deductible and then once they get it sorted out, they'll reimburse me.

Apollo626 · September 13th, 2011, 02:12 PM

I'm not sure of the circumstances of the loss, but it sounds like you're talking about subrogation.

Going through Progressive can save you a lot of hassle, though you will probably have to pay your deductible up front. Let Progressive deal with Geico, and as soon as it's all settled you should get your deductible back.

September 12th, 2011, 09:54 AM	#1
Honko ninjette.org sage Name: Hyon Location: Northern Virginia Join Date: Jun 2011 Motorcycle(s): 2010 Green SE Posts: 574	Dealing with insurance I posted this in my crash thread already but figured I'd make a separate thread for in the hopes of a getting more responses to it. Just got a call back from Progressive (my insurance company) saying that they'd have to total the bike, which was pretty much expected given the damage to the front and the exhaust, but it's still sad to hear it officially. Geico (the other guy's insurance company) still hasn't made contact with their guy so I was going to just have mine handle it and then let them deal with the hassle of tracking down the other guy. I've never had to actually deal with insurance before, so, is that a good idea or should I just wait for Geico to make contact with the other guy? I'd like to get back on a bike sooner rather than later but not if handling it this way is going to come back to bite me in the ass.

September 12th, 2011, 02:53 PM	#3
dubojr1 ninjette.org certified postwhore Name: Jason Location: Jacksonville, Florida Join Date: May 2010 Motorcycle(s): 09 Ninja 250R SE, 07 Honda CRF230F, 06 Honda CRF150F Posts: A lot.	I agree. Dealing with your company will be the easiest however I think my Statefarm makes you pay the deductible up front and then it's reimbursed at the end. I'm not sure of Progressive's policy. __________________________________________________ 09 250R SE: Paying it forward one post at a time! Don't forget to add yourself to our Member Map

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September 12th, 2011, 10:16 AM	#2
setasai ninjette.org certified postwhore Name: Brian Location: Detroit, MI Join Date: Jun 2010 Motorcycle(s): 2009 Ninja 250R Green Posts: A lot.	I would just let your insurance handle it. It's kinda what they're for, dealing with the other party and getting you back up and running as soon as possible.

September 12th, 2011, 07:25 PM	#4
Honko ninjette.org sage Name: Hyon Location: Northern Virginia Join Date: Jun 2011 Motorcycle(s): 2010 Green SE Posts: 574	Progressive has the same one. I just have to pay my deductible and then once they get it sorted out, they'll reimburse me.

September 13th, 2011, 02:12 PM	#5
Apollo626 ninjette.org member Name: Marcus Location: San Antonio, TX Join Date: Aug 2011 Motorcycle(s): Green '08 Ninja 250R Posts: 32	I'm not sure of the circumstances of the loss, but it sounds like you're talking about subrogation. Going through Progressive can save you a lot of hassle, though you will probably have to pay your deductible up front. Let Progressive deal with Geico, and as soon as it's all settled you should get your deductible back.