In 2004 I hit a deer with my 2004 O/B SEEG on I 90 while traveling thru South Dakota. I had the cruise set at 80 mph, so needless to say the bike was totaled. The bike was only 3 months old and had just over 5000 miles on it. I had Progressive Insurance - I don't know if all insurance companies work the same. I got the bike home before I called the insurance company. An adjuster came to my house and took one look at the bike and declared it was totaled. I had the option of buying the wreck, but because the motor and transmission were intact, the price for the wreck was far more than I felt it was worth to me. So I let it go. The adjuster suggested to me that I might want to remove any add on parts from the bike. I removed everything I felt I would use again, including the tuner. The adjuster gave me a couple of days to do this work and then sent a flat bed to retrieve the bike. The crash happened on a Sunday. The following Friday the adjuster hand delivered a check for 500 more than I had paid (I paid msrp with zero add-on fees). I didn't question how he came up with a value above msrp - I just thanked him for the check and we parted company. One week later I found another brand new 2004 O/B SEEG, for which I also paid MSRP with no fees. The unexpected part of the experience is when I contacted Progressive to insure the new bike, they simply took the information (vin and such) and sent me a new insurance card - no bill. I had paid for a year's worth of insurance on the crashed bike. I assumed because the bike was totaled and they paid the claim to the tune of $30,500.00 that I would need to start over with a completely new policy. But that isn't how it worked. I paid nothing and had 9 months of insurance remaining from the original policy. To this day I don't know if that is how it is supposed to work, but it's how it worked in my case.
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Topic: Resurection Down (Read 5889 times)