I often hear of people that are not happy with how a claim paid out on their motorcycle. The first thing I ask is, “Do you have an agent?” An agent’s responsibility should be to client first. I consider it my role as an Agent to advise clients of what insurance they need but also to assist in the claims process when they don’t understand why a claim is not paying out the way they want.
The first thing you should understand when making a claim is what insurance is and what it is not. Insurance is intended to restore you to where you are at the time of the accident. It is not intended to for you to get your bike fixed and walk away with a few grand in your pocket. Part of restoration means the value of your bike today not what you paid for it 5 years ago. You need to clearly understand what your bike is worth today.
With that said, what happens if you insure your bike today and six months down the road you buy those new pipes that cost you $1500 and at the same time you add some custom paint at around $3000. Oh and maybe you also add some new bags that cost you another $600. You don’t call your agent. You have a claim and now you may not have the right coverage to replace those those new add-ons.
CALL YOUR AGENT!!! Don’t wait. Let them know any time you add a little bling to your ride. It take ten minutes on the phone that could save you later. Most policies carry about $3000 for accessories (i.e. custom pipes, custom paint, bags, windshield…) some less. Talk with your agent about what is covered and what you may need to add to your policy. Make sure you know what is on your policy before you make a claim. I recommend having a conversation with your agent annually to make sure you are properly covered in the event of a claim. Feel free to call me anytime! I ride too so I know the right questions to ask!
Sherry Flamard Agency
5140 W Peoria Ave., Ste. 146 • Glendale, AZ 85302
Office: 623-225-7299 • Mobile: 602-614-8736 • firstname.lastname@example.org