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[Indenial]

The complete personal vulnerability is usually worse than the financial loss. Especially when it's stolen from your home.  It's like someone has been watching you.  Heal as fast as you can.  Look for another one.  Sorry for you and your family.

[Alien]

Insurance company (Mapfre commerce) offered me just under $7000 this morning. I am devastated. They don't care what I have for receipts. I turned it down but looks like I am going to get screwed!!!

[dayne66]

We shopped around for insurance recently....found a great deal..or so we thought.....CDI could not tell me what I'd get in the event of a non-recovered theft.
Beacon insurance, which I believe specializes in motorcycle insurance, will give me 40,000, as that's what I'm paying for.

[CVOStreetglide]

Insurance company (Mapfre commerce) offered me just under $7000 this morning. I am devastated. They don't care what I have for receipts. I turned it down but looks like I am going to get screwed!!!

My Suggestion:   Go to arbitration and ask for them to find you a comparable replacement at the price they are offering you.

At worst you'll end up with more money.

Good Luck.

Jerry

[bakon]

Friend works for State Farm and does the pay outs for motorcycle stuff. She likes a nice notebook with all the receipts attached, date installed, mileage, service, ect. Just make a note on a page and staple the receipt to it for everything you pay for or add yourself.

[Alien]

Friend works for State Farm and does the pay outs for motorcycle stuff. She likes a nice notebook with all the receipts attached, date installed, mileage, service, ect. Just make a note on a page and staple the receipt to it for everything you pay for or add yourself.

I actually have all that including some pictures. Adjuster said it doesn't matter I'm only insured for actual cash value, not the extras. I then explained the receipts will show the level of care and maintenance proving the bike was
S way better than average condition. She replied fine send them but it won't make a difference. As far as I'm concerned original owner adds value?!

[2k]

Fight it with all you have. If you take the 7k, you lose...........can't do worse than that.

[Alien]

I can't buy any decent bike for $7,000 I'll patiently wait them out. I do have almost $20,000 in receipts from the last few years. They can find me a well maintained one owner 2000 screaming eagle road glide in triple red and put it in my driveway. I think $15,000 in my pocket would be fair to them and I!!

[Chains]

Good luck man, do a search for a comparable bike you like that is for same and tell them to buy it for you. $7,000 is way low but then again I don't think they will write a check to you for 15 k.

Like others have said fight hard go over the adjusters head if you have too and then even over their bosses head if need be.  They would love to settle low but don't let them.

Here's one with 17,000 miles for $12,999.  That's what they could do if you persist.

http://www.cycletrader.com/dealers/Aces-Motorcycles-2980816/listing/2000-Harley-Davidson-FLTRSE-115024522

 KBB in Excellent Condition  $11,790, the offer made you is below trade in which is wholesale.


Looking at asking prices and the lack of add on coverage your not going to like the outcome unless you can get them to replace it.

[Alien]

Thanks for the help and link. $12-13,000 would be much better than $7000? I'm sure I'll have to fight for every penny. Id settle for them putting that one in the link in my driveway?

[Chains]

Thanks for the help and link. $12-13,000 would be much better than $7000? I'm sure I'll have to fight for every penny. Id settle for them putting that one in the link in my driveway?

Then give them that as a task. $7,000 is not even close. Tell them to get you the one in the link.

[Lone Rider]

Re-birthing practices are nearly flawless and I'm sorry to say its probably being cloned.

I hope your insurance will cover the cost of another one for you.

[Alien]

I have drafted a letter to the adjuster (professional and polite) while including copies of NADA, KBB, and the advertisement for the bike in Colorado. I am sending those documents with all my receipts not to get additional money for the updates and upgrades but to convey and justify a higher valuation of an original owner bike in excellent condition. I am sending it signature required. I will update when I hear something back. If anyone else finds similar bikes for sale please post links.

Thanks
Mark

[martys]

I have drafted a letter to the adjuster (professional and polite) while including copies of NADA, KBB, and the advertisement for the bike in Colorado. I am sending those documents with all my receipts not to get additional money for the updates and upgrades but to convey and justify a higher valuation of an original owner bike in excellent condition. I am sending it signature required. I will update when I hear something back. If anyone else finds similar bikes for sale please post links.

Thanks
Mark

Great first step Mark I hope you get some satisfaction    If not ... you may have to re-send that same request on a Lawyer's letter head  just don't give in too low 


Marty

[03Lightningrocks]

My appologies if someone already ask this but I read through twice and did not see it. Did you have the fork locked and the ignition lock engaged? I have wondered at times if this does much to prevent theft. I feel pretty sure it would slow the average theif down long enough for me to get done if I am out shopping but if they get into my garage while I am not home, not so sure.

This is my worse nightmare. I would cry like a baby if this happened to me. Sorry it happened.