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11-17-2008, 12:09 PM
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#1 |
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Moto GP Star
Join Date: Feb 2008
Posts: 12,156
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Gear not covered?
Alright so most of you already know about my "get off" a couple of weeks ago. Now I find our my gear is not covered under my bike insurance. It is covered however under my home owners policy.... where my detectable is $1K. The gear I was wearing (jacket, helmet, gloves, boots) adds up to about that or just under so it's not worth making a claim. WTF? I thought gear was covered under your auto policy.
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11-17-2008, 12:11 PM
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#2 | ||
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Ride Naked.
Join Date: Feb 2008
Location: Flat and Straight ND
Moto: 08 BUELL 1125R, 05 SV650S
Posts: 7,916
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Depends on your policy I guess. I know mine is covered with my insurance.
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11-17-2008, 12:16 PM
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#3 | |
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DefenderOfTheBuelliverse
 
Join Date: Feb 2008
Location: Parts Unknown
Moto: Buell XB12R
Posts: 18,585
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Not sure about my policy as far as gear is concerned.
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11-17-2008, 12:20 PM
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#4 | |
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Ornery, scandalous & evil
Join Date: Feb 2008
Location: Jacksonville, FL
Moto: 2004 Scarlet R1
Posts: 5,962
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Quote:
I would've thought it would be covered as well, because I've heard of others who've had their gear covered in a get-off (and their aftermarket accessories, too), but sounds like that's just their specific ins co/policy. |
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11-17-2008, 12:31 PM
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#5 |
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WERA Yellow Plate
Join Date: Nov 2008
Posts: 648
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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.
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11-17-2008, 12:39 PM
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#6 | |
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Moto GP Star
Join Date: Feb 2008
Posts: 12,156
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Quote:
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11-17-2008, 12:58 PM
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#7 | |
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WERA Yellow Plate
Join Date: Nov 2008
Posts: 648
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Quote:
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. |
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11-17-2008, 01:02 PM
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#8 |
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just learning
Join Date: Oct 2008
Location: western nc
Moto: 1996 M900
Posts: 1,348
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Didn't even think about gear being covered. I'll be checking with my insurance co. Thanks for the info.
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Todays mighty oak is just yesterdays nut who stood it's ground! |
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11-17-2008, 01:33 PM
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#9 | |
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Custom User Title
Join Date: Nov 2008
Location: Central NY
Moto: 2003 SV650S
Posts: 14,959
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Quote:
now that I check, it is not covered.
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I'm not "fat." I'm "Enlarged to show texture." Handle every stressful situation like a DOG: If you can't eat it or hump it, pi$$ on it & walk away. |
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11-17-2008, 02:24 PM
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#10 |
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Pompous Prick
Join Date: Mar 2008
Location: MA
Moto: 06 R6 (race), 04 CRF Tard (race)
Posts: 3,040
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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.
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