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Posted by: Dill
personally, I think insurance companies are one of the scums of the earth. They don't hesitate to take your money every month, but when you need their assistance, they blow you off and look the other way.
MXBUBS's idea about saying your quad parts were stolen works for me. An easier solution is to just insure your quads under your auto policy, that way if you wreck while riding they're also covered.
my $.02
BTW, Allstate can blow me.
Posted by: atvguy
like my insurance people about as much as I like the morons that ripped off my 350X They are both about as nice as Osama...BR>
Almost 4 years later I'm still really P*&% Off about it and I could go on & on &...
Get big locks and use them, I wanted to put an electric cord on my garage door & fry the next creep to touch it! But now I'm out in the country with a lot less scumbags around.
If this sounds bitter, I AM! NOBODY GIVES A CRAP ABOUT STOLEN ATVS! Mine was custom painted with a rainbow saying Honda on the tank, Carlyle Strykers, 8" 200X rims, & axle extenders.
Posted by: atv_guy
Thanks nemisis, I did get lots of support from fellow riders. Some guys said they may have seen it in the next county and I had hope I'd see it again. But most of the stolen ATVs are chopped up for parts.
BR>
So get big locks and use them, I use a grade 7 tow chain on my ATVs & snowmobile. They should ship all the ATV thieving scum off to Afghanistan for mine clearing duty
Posted by: tprender
If you have a utulitty quad it should be covered buy your homeoners insurance. If you have a sport or race quad it is not covered by you homeoners insurance. I found this out the hard way this summer.
Posted by: ftwflh
I have a good insurance policy and it has worked for years it is called let everyone think you are crazy.The whole town here thinks i am after you fire a few rounds and burn your girlfriends stuff in the front yard theives dont want to come around.(this is the truth)
Posted by: ftwflh
Hey holyman it is in the south east corner.Always lookin for a new riding partner
Posted by: ftwflh
Not as much as when i was taking pics for this H/D mag and i got a phone call from this girl i took a pic of one nite.If you want to talk use my e mail or yahoo messenger.
Posted by: ftwflh
My insurance man told me he could insur any quad for around $100 a year.A good dog and a gun work good too.
Posted by: NorthernEdge
I think insurance is fraud sometimes!
I got a quote from some insurance company for my grizzly and it was 980.00 per year I'm 24 years old!
For my 97 Vmax 500 800.00!
I'm not sure what the name of the insurance company is off the top of my head but the specialize in atv's and snomobiles.
You figure if I'm paying 980.00 for insurance and finance the quad I would be paying as much for the insurance and I am for the machine.
When I first bought the snomobile I got a quote for like 1500.00 granted I was only 20 years old when I bought the sled but wtf, that payment would have been more then the sled.
I envy you people that are getting 100-200 dollar quotes but for some reason that isn't working for me, I keep getting bent over!
Prudential raised my car insurance because I hit a deer!
Does Progressive think I intentionally hit the deer? The F-ing thing jumped in front of me and the accident couldn't be avoided, but for some reason it's an at fault accident.
Insurance = BS
The sad thing is they got you by the sack, you can't live without it!
Posted by: Holyman
First of all if you pay alot of money for something like a quad a mink coat a 5 carat diamond an antique gun a bunch of Italian figurines or a really expensive computer, then you obviously are not a stupid person because you are smart enough to work hard enough to buy all that stuff. If you are smart enough to buy all that stuff then you SHOULD be smart enough to insure it. I have found many people who post to this forum complain that they were ripped off by their homeowners insurance because they won't pay for the missing/ stolen/ damaged quad. Many people assume that their homeowners insurance will pay. Who do you assume will pay for your car when it gets wrecked or stolen? Your homeowners insurance rates are based on the probablility of your HOUSE and the average persons belongings being damaged or stolen. I have 9 ATV's in my garage. Is it fair for the people who have my same insurance company to pay rates based on the possibility of my 9 ATV's being stolen?
If you don't KNOW that your homeowners insurance cover's your quad then it is YOUR FAULT when they come up missing and you don't get paid back for it.
Your homeowners insurance laws are based on the state you live in also. In Illinois you need an extra endorsement for "jewelry and furs", "goldware and silverware", "firearms", "computers", "collectables", and other unusual items. In fact homeowners policies will NOT cover vehicle parts either! By claiming that the complete quad that got stolen was "parts" is definately fraud and is VERY VERY punishable by law. If they ever ask you to document the loss what are you going to say? If they ask for pictures or receipts what are you going show them? All claims can be reviewed at any time and they can be investigated. If you don't want to lose it, insure it! If you don't know if your quad is insured then FIND OUT. Don't whine about it when it's gone!
Posted by: Holyman
Where is Crossville?
Posted by: Holyman
I'm in the North East corner. So you're that crazy guy huh? Even I heard of you up here near the Wisconsin border img src="i/expressions/face-icon-small-shocked.gif"border=0>img src="i/expressions/face-icon-small-wink.gif"border=0>img src="i/expressions/face-icon-small-cool.gif"border=0>img src="i/expressions/face-icon-small-frown.gif"border=0>
Posted by: Holyman
How do you insure your quad under your auto policy? That may only be possible in your state. It's not possible in Illinois.
Posted by: Holyman
Insurance rates are also based on a companies familiarity with the item being insured and the amount of people insuring that item. If you owned an appliance store in a small town of lets say 1000 families would you tell everyone in town that for $20 a year you will warrantee {insure} that their appliances will keep working or you'll come and fix it? Let's look at the odds.
Of those 1000 families only a small percentage will pay the money. Let's say half.
So you're making$10,000 a year. The chances that you will have to go work on somones refigerator and install parts on it are fairly high. So assuming your time is worth $25 per hour and you'll take at least 2 hours to work on the appliance plus another $25 in parts. That's $75. So take your $10,000 and divide it by $75 you'll see that if more than 133 people need stuff fixed {or you have to make more than 133 visits} you will be paying to work on their stuff. Plus no-one can run a business and live on $10,000 a year.
Sears on the other hand can spread that "risk" over hundreds of thousands of people. Making it profitable to offer "extended warrantees" or insurance against failure of that appliance.
Sears also has excellent information on how long a certain appliance lasts and so they can make very good calculations as to the probablity of paying out.
Since young people as a group {not saying anything about anyone here} tend to do really stupid things, they tend to damage more stuff and thus they are at a higher "risk" of costing the company more money. Thus higher rates. Some companies have better information about young people of a certain group {college educated, married, living in certain areas like low theft areas} that make them more willing to accept a higher "risk" of losing money to insure that kind of person. You wouldn't expect to get a good car rate from a company that only insures appliances because they just aren't in that business. They may insure you but they keep the rates high in case a loss occurrs.
I have State Farm insurance on my Banshee. My policy has a $250 deductible and is insured with full coverage just like my car. My rates are about $250 a year I'm 35, a homeowner, married, and have my house and 2 cars insured with them. Right after I got my Banshee, it got wrecked. They paid me over $5,000 for the damage. At the time I had only paid them $250 to insure my quad. After they paid, I could have gone to another company and State Farm would not have gotten another penny from me. If that was the case that means that 20 other people would have to pay their premiums for a year just to pay off MY quad. Obviously the risk of insuring my quad has to be spread over thousands of people in order to even make it worth while for the insurance company to want to insure it.
The best companies to insure your stuff with are the ones with the most money! They are the only ones in a position to give you the best rates and pay for the damage when it occurrs.
Posted by: Holyman
Basically it's all in the policy. Don't assume that the insurer will pay just 'cause you gave 'em the money. The policy is a legally binding contract. If they don't live up to their end of the deal then sue them. The only way they can sue you is for fraud.
Posted by: Lad
my scrambler 500 was just stolen on friday night i made new post before i read this one. any way, allstate insurance does not cover it im am really pissed because im not rich and cant afford another one for awile if i ever found out who stole it they would wish they were never born. any one who has ever had there atv stolen i feel your pain.
Posted by: VMAX12
here the best fix yet for a stolen quad!!!!!! get it insured!!!! i have my raptor insured threw american family it cost me 110 bucks, and it lowered my vmax ins. is the same coverage as my street bike.
01BLU660R
Posted by: VMAX12
you don't ins your quad under a auto policy you put it on a motorcycle policy
that way its covered by wrecks,liability, ect ect ect... mine went by CC's
my 660 was 110 bucks a year full coverage.... cheap peice of mind. i only insured
mine so when i went on trips with it and it has to sit out all night i am covered
my 10 cents
01BLU660R
Posted by: VMAX12
WELL i think you age is killing you, ins won't go down until you hit 25
then when you get married it will go down even more....
i pay
01 raptor-$110
95 vmax 1200-$210
97 f 150 4x4- $600
01 explorer - $650
all full coverage
still too much!!!!!!!!!!
Posted by: trx450
MX BUBS 1---- Are you familiar with the term: Insurance Fraud????? There are some pretty stiff fines/ jail terms for commiting same.
Posted by: trx450
It IS a false statement if you omit the fact that all these "parts" were assembled into to a functioning machine!
I have had plenty of experience dealing with these "snakes" too, and do not like dealing with them either. I am just saying that I couldn't, in good conscience, "enhance" the truth of the matter.
Posted by: juggalo
my homeowners covered mine too. but only cuz our agent said we used it to maintain the property. it was kind of a half truth but it wasn't our idea. anyways that worked too.
Posted by: deebee
I had a quad stolen once and my Homeowners DID cover the loss to full replacement value. My agent told me it was covered if the unit was used for work at the residence( which mine was ) So, if you mow, plow snow or haul anything related to home maintainence you should be covered.
Incidently mine was covered by State Farm which I greatly recomend.
You can also purchase "riders" that cover anything extraordinary.
Posted by: MXBUBS1
As most of you know, homeowners insurance mostly doesnt cover stolen quads....and it is impossible to get a policy to cover the value of our 15000$ quads....so what do you do if it gets stolen? You do this, if you call the police, tell them you had a ton of quad parts in your garage or whatever....dont tell them that it was assembled.....get it? Insurance carriers can deny coverage on quads, but not quad parts....they have to cover them like they were a piece of furniture or what not....trust me, it works!
Posted by: MXBUBS1
Its not fraud if you dont lie......When you file the claims report, you tell the truth, you had a ton of parts in your garage get stolen...you are not making a false statement....besides, this should be covered under your policy, only the snakes in the rat business twist your policies to a point where nearly nothing is covered.....They are the crooks, if you think differently, I think you have never dealt with these snakes....and they are snakes.
Posted by: MXBUBS1
Allstate huh? Me and my family were raped at the hands of Allstate.....I HATE allstate.....you should report it as parts stolen.....they have to cover it by law if you have your homeowners with them....its just like a piece of furniture in the house....another word of advice....AVOID ALLSTATE INSURANCE LIKE THE PLAGUE.....
Posted by: MXBUBS1
Nope, it doesnt...Insurance is the biggest scam going...for the last 5 years, BLUE CRAP BLUE SHIELD...has been the biggest privately owned money making company in the state of Louisiana....they profited more money every year for the past five years than any other privately owned company in this state.....now, about the cost of insuring quads.....if you guys read the fine print, I believe that most all companies will not pay over 1000$ the blue book value of a quad due to aftermarket parts.....an 88 250r blue book value might be 2000$....and thats what they will go by, say you got 10000$ in aftermarket parts....you will not get anymore than 3000$......so where does that leave us? It leaves us out of 7000$.....so you do like I suggested.....claim the parts separately....it is just a suggestion......
DILL.....I know where you are coming from.....ALLSTATE, YOU CAN BLOW ME!
Posted by: NEMISIS
atv guy- i remember a few years ago when you put a post on here about your 3 wheeler. i saw a pic of it and i feel for you, that was a very nice machine. i feel bad for those guys on there day of judgment..God really doesnt like atv thieves.
-nemisis
Posted by: foneguy
better safe than sorry, i have theft and fire/ vandelism on both my quad and sons xr50img src="i/expressions/face-icon-small-cool.gif"border=0>img src="i/expressions/face-icon-small-confused.gif"border=0>
