After an Accident: Understanding the Claims Process
- Thread starter rukus
- Start date
Numerous people on this board have had they're claims paid by the same company. Why were they cancelling the policy?
Look up State Farm's "record-breaking profits" from last year.
Platinum Cycle
Well-known member
Your contents are covered to the degree you're not at fault.
So, if for example you are 25% not at fault and the actual cash value of your camera is $100, you will be paid $25 for the camera.
You are also covered for the loss of use of the contents.
Lets say your golf clubs were damaged in an accident. You were 50% not at fault. You were playing golf that day and had to rent clubs at a cost of $100. You can be reimbursed $50 for the rental clubs.
Do you have the contact information for the Ombudsperson??
FLSTC
Well-known member
"As long as your insurance company approves the estimate, you may have your vehicle repaired at the repair shop of your choice."
I was rear-ended last Wednesday - stayed upright - rear fender bent, marker lamp and turn signal lens and bar broken/bent. 2014 HD Heritage Softail - bought last Sept. Shared info, then went to NY CRC 5pm. Called-in my claim to Allstate Thur am and dropped my bike off at Davies Harley 5pm thur. Was at an impasse Friday morning as HD wants 2hrs for inspection/estimate and Allstate says they don't pay for estimates - I'll have to take it to their recommended auto-body shop to get fixed (free estimates there).
Finally convinced them to send out an adjuster - they say 3-5 business days. Not sure what will go down as won't HD still want time to do an estimate even if the adjuster has determined a repair amount? Do you guys take your bikes to the insurance-co partner auto-body shops or m/c dealers?
Do all companies suck for motorcycle fixes as Allstate does? I've got two cars, two bikes and my home insurance bundled - could save a few bucks elsewhere (good record) but thought Allstate would be better during claims!
Even though it was not my fault, I thought I was doing a good thing by minimizing damages, i.e I could've called-up a flatbed tow, incurred storage fees at the CRC, etc. Authorizing HD 2hrs for the inspection/estimate would also save having the adjuster go out on a trip, it may be able to be completed online.
Sucks to be me. Learning my lesson though - next time, just fall over, stay down, and wait for the ambulance ride - you'll get treated better than an honest person.
I was rear-ended last Wednesday - stayed upright - rear fender bent, marker lamp and turn signal lens and bar broken/bent. 2014 HD Heritage Softail - bought last Sept. Shared info, then went to NY CRC 5pm. Called-in my claim to Allstate Thur am and dropped my bike off at Davies Harley 5pm thur. Was at an impasse Friday morning as HD wants 2hrs for inspection/estimate and Allstate says they don't pay for estimates - I'll have to take it to their recommended auto-body shop to get fixed (free estimates there).
Finally convinced them to send out an adjuster - they say 3-5 business days. Not sure what will go down as won't HD still want time to do an estimate even if the adjuster has determined a repair amount? Do you guys take your bikes to the insurance-co partner auto-body shops or m/c dealers?
Do all companies suck for motorcycle fixes as Allstate does? I've got two cars, two bikes and my home insurance bundled - could save a few bucks elsewhere (good record) but thought Allstate would be better during claims!
Even though it was not my fault, I thought I was doing a good thing by minimizing damages, i.e I could've called-up a flatbed tow, incurred storage fees at the CRC, etc. Authorizing HD 2hrs for the inspection/estimate would also save having the adjuster go out on a trip, it may be able to be completed online.
Sucks to be me. Learning my lesson though - next time, just fall over, stay down, and wait for the ambulance ride - you'll get treated better than an honest person.
