Hello Everyone. Thanks for Amazing replies. Both in showing me how to repair (Brian) and shop recommendations (All others.) I have decided to go with Steve - Motorcycle Mechanic. (Thanks Relax.)
Here is where I got stuck. Set up a time with Steve. Called and booked my Tow with CAA.
CCA showed up. Right from the start the guy seemed like he was annoyed. He immediately ran to the back of the bike and took pic of plate. I had not taken my old sticker off.
Says to me..I need to see your Insurance!
I told him, I don't have it. That's why I need to take it to mechanic and get it ok to run and make sure she is safe.
No insurance No tow he says.
Get this....Then he said....Unless you pay!
I said what?
He immediately called CCA....put them on speaker phone....Girl on phone says yeah yeah...we need Insurance.
Also while he is holding for CAA, he asked me for destination....goes oh that's only 20 Km. I am like....what difference does that make? I am covered for 200.
Then he starts to go away smiling. I told him....well it's your loss.
His reply....Nope...I got paid!
I called CAA back....They used one of my tow call without touching my bike.
So disheartening guys.
So my next question, you guys know anyone in towing. I called a number they wanted $320 for 20km in Mississauga.
... Sigh. Ok let's review this one more time...
Home insurance, CAA... it's all the same structure: Take the customer's money, and hope they never take you up on what you sold them.
Me: Are we covered for water damage in the basement?
Insurance: No, that's more money.
Me: Ok add that on.
Insurance: Ok we'll take even more money.
Me: Ok.
(two months later)
Me: My basement flooded.
Insurance: We'll send someone over to take a look.
Me: Ok
Insurance: The water damage in the basement is not covered.
Me: But I have water damage in the basement coverage.
Insurance: That's for damage from within the house, like a pipe breaking. Your damage is from groundwater coming up. You aren't covered for
groundwater in the basement.
Me: So if I had broken a pipe before you got there, I would have been covered.
Insurance: Yes.
Moral of the story: They're really good at taking the money, but they aren't profitable unless they keep the money.
Second moral of the story: I would never recommend committing insurance fraud, but, breaking a pipe
before the insurance person comes to look could save you tens of thousands of dollars... Having your stuff together before CAA arrives could save you a good chunk of change too, because they work the same.