Gear not covered?

[Rider]

Originally Posted by Leon

I've heard of gear being covered by auto insurance if you're hit by a car and the driver is at fault. If you're claiming it on your own policy, it may not be covered. Depends on your policy.

Michigan is a no fault state. So the claim goes against my policy anyway no matter who is at fault.

[Leon]

Originally Posted by Rider

Michigan is a no fault state. So the claim goes against my policy anyway no matter who is at fault.

That sucks, Florida used to be a no-fault state, but we still had the right to sue, since the "limited tort" option was not part of out laws.

So when I has hit by a car and it was their fault, they had to cover everything. I let my insurance company know and they told me to call them if the other insurance gave me any problems. Otherwise they were staying out of it.

[Ducati Diva]

Didn't even think about gear being covered. I'll be checking with my insurance co. Thanks for the info.

[Particle Man]

Originally Posted by Ducati Diva

Didn't even think about gear being covered. I'll be checking with my insurance co. Thanks for the info.

indeed - I never thought about it and just figured I'd replace it myself.

now that I check, it is not covered.

[ceo012384]

Unfortunately that's correct, Ed.

I have state farm, known to be among the best / most generous, and they stated that they are only required to replace what the state mandates you to wear (i.e. a helmet in MA... if your state doesn't require them you might be out of luck in that area, too)

That's what they told me when I asked about repairing my leathers.

[Rider]

Originally Posted by ceo012384

Unfortunately that's correct, Ed.

I have state farm, known to be among the best / most generous, and they stated that they are only required to replace what the state mandates you to wear (i.e. a helmet in MA... if your state doesn't require them you might be out of luck in that area, too)

That's what they told me when I asked about repairing my leathers.

Helmet is required here, but they(Liberty Mutual) don't cover it.

[ceo012384]

I would try arguing with them. It is a required safety item and it was damaged. It's like if your airbag went off in your car. They have to replace that shit.

Basically just as a general rule, argue with them and never accept their first offer... I argued for a couple days and came out pretty well on the deal.

[Amber Lamps]

Originally Posted by Rider

Michigan is a no fault state. So the claim goes against my policy anyway no matter who is at fault.

Whoa buckaroo! Last I knew,Mi's no fault laws do not apply to motorcycles. When I was rear ended,the other guy's bike insurance paid for my bike and my medical because he was at fault.

Now as far as gear goes,some companies include a preset amount of gear coverage and some don't. If I were you,I'd look at my bike policy very closely... do not just trust the adjuster's word for it! Also,look into your auto policy and your home owner's policy. A lot of times,homeowner's insurance covers losses not covered by auto policies,like stolen and damaged personal items. Also,since another vehicle was involved,you may be able to claim your medical bills,lost work and your gear against his policy regardless of fault. Make sure you at least call them and check. Trust me,his truck ran over your leg,they would be MORE than happy to pay a couple medical bills,work days and for some gear than the cost of a lawsuit,win or lose! Besides,if they owe anything based on ins. law,your ins will subrogate the money from his company after the fact. Quite frankly,that guy probably called his ins company and they may be just waiting for you to call them.

[Gas Man]

Its not a michigan thing... a buddy of mine had progresshit and they covered his jacket and helmet.

As soon as your done with this claim and shit... dump them and go state farm.

[Phenix_Rider]

I have progressive. They would have covered any gear that was damaged- but they take whatever they pay for. I decided to keep everything except my gloves. They also pay for something like $3,000 in accessories.