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Will insurance cover the bike ?
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Question Will insurance cover the bike ? - June 17, 2018, 05:20 PM

Hi Guys
I have a buddy who wrecked his new bike today. ( He hit a deer ). Bike is damaged pretty bad. Is this something that progressive usually covers? He has full coverage. He has not called them yet.

Just wanted to see if anyone has had a similar situation and what the outcome was with progressive .

Thanks Guys


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June 17, 2018, 07:01 PM

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June 18, 2018, 05:57 AM

Since it's a deer hit (I presume there's evidence of a deer hit) it would be covered under his comprehensive coverage. That's nice because it won't count against him as much as a collision with something like a mail box, car, or another bike.



It will still count as an occurrence though. If his claims history is good it shouldn't affect him.


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June 18, 2018, 07:22 AM

Quote:
Originally Posted by Scot View Post
Since it's a deer hit (I presume there's evidence of a deer hit) it would be covered under his comprehensive coverage. That's nice because it won't count against him as much as a collision with something like a mail box, car, or another bike.

It will still count as an occurrence though. If his claims history is good it shouldn't affect him.
Yes, but key word here is "evidence" you need to have either a dead deer next to your bike or deer hair and or blood at the scene or on your bike.

If he already left the scene, he better have deer hair embedded in his faring's if he wants this claim to get approved.

Even if a deer jumps out at you and you server to miss the deer and hit the guard rail, it is usually not going to get approved. You need to actually impact the deer and have evidence you did.

I got a buddy that actually just had this happen... he had a lengthy conversation that progressed to him saying "so your telling me a actually need to aim for the deer and risk my life in order for this to be covered" with the response along the lines of: "sir I would never say for you to deliberately hit it, I am just saying if it was to be covered you need to have evidence that you struck the deer and not just drove off the road"

Got to have that evidence.
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June 18, 2018, 07:27 AM

goes to local friend....gets some hair off mount..... yes I totally grazed it enough to throw the bike off balance....
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