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insurance question
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stancotreau
Posted 4/13/2016 8:21 PM (#88674)
Subject: insurance question



Regular

Posts: 51
2525
Location: Billerica MA
Hi, I went to my insurance company (liberty mutual) to purchase insurance for my triumph / velorex rig. I was quite surprised to find out they will not insure the sidecar.... the bike, no problem. Liability and medical, no problem. Sidecar, no way they will cover it.

I phoned progressive and they will cover the sidecar as an accessory.

So, do any of you insure through progressive? If so, how has your experience been?

Thanks,
Stan
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Reardan Tom
Posted 4/13/2016 9:35 PM (#88675 - in reply to #88674)
Subject: Re: insurance question



Elite Veteran

Posts: 1173
10001002525
Location: Reardan, WA
I was with Progressive for a few years until I found out Foremost through AARP saved me a bunch for the same or better coverage. And the sidecars are accessories on my policy.
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chromepony
Posted 4/14/2016 10:27 AM (#88677 - in reply to #88674)
Subject: Re: insurance question


Member

Posts: 33
25
I have Progressive coverage on the rig, sidecar as an accessory. I was rear ended by another motorcycle twelve years ago and they allowed me to purchase all new matching OEM parts and do the labor myself, paid me for my work using the flat rate manual. Saved me a bunch of aggravation as I live seventy-five miles from the dealer.
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OldSchool_IsCool
Posted 4/14/2016 12:22 PM (#88679 - in reply to #88677)
Subject: Re: insurance question



Extreme Veteran

Posts: 422
100100100100
Location: Michigan - Kalamazoo
I'm not surprised Stan. In fact, Liberty has a television commercial out (at least I see it in my market) where a lady, standing in front of the Statue of Liberty complains that her previous insurer would only pay 3/4th of the cost to replace her automobile. She then quips that Liberty will cover the FULL replacement cost as "they don't want you riding around on three wheels." I can only assume they won't cover trikes either.

https://www.youtube.com/watch?v=6ah5VHXiTcI
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jwshort
Posted 4/14/2016 6:13 PM (#88688 - in reply to #88674)
Subject: Re: insurance question


Elite Veteran

Posts: 859
5001001001002525
Location: Rapid City, SD
I went to my local credit union because they advertised Dairyland which I had used for years but they steered me to Safeco which gave my a better deal. I'm sure that both had covered my rig with the sidecar as an oversized saddlebag. I have had no accidents to test the coverage and don't want to but the cost savings was significant over State Farm.
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stancotreau
Posted 4/14/2016 7:28 PM (#88689 - in reply to #88688)
Subject: Re: insurance question



Regular

Posts: 51
2525
Location: Billerica MA
jwshort - 4/14/2016 6:13 PM

I went to my local credit union because they advertised Dairyland which I had used for years but they steered me to Safeco which gave my a better deal. I'm sure that both had covered my rig with the sidecar as an oversized saddlebag. I have had no accidents to test the coverage and don't want to but the cost savings was significant over State Farm.


Funny, I just sent in the info to have Safeco quote this! thanks for everyone's replies .... it helps a lot
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tinboatcapt
Posted 4/14/2016 11:28 PM (#88691 - in reply to #88674)
Subject: Re: insurance question



Veteran

Posts: 120
100
Location: Lakeville, Minnesota
I've been with progressive for 15 years. I've not had a claim, but rates seem reasonable on two riders, three bikes, and a tug; plus they covered the sidecar.
jim

Edited by tinboatcapt 4/14/2016 11:34 PM
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SidehackRalf
Posted 4/15/2016 10:25 AM (#88695 - in reply to #88674)
Subject: Re: insurance question


Veteran

Posts: 128
10025
Location: Libby, Montana
My Gold Wing got hailed on just a few days after I got Progressive and all I paid was the $100 deductible. That was 14 years ago and I've since added a sidecar as an accessory to the policy, very good company to work with. Total damage was $1700.
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horrorguy
Posted 4/16/2016 10:39 PM (#88730 - in reply to #88674)
Subject: Re: insurance question



Extreme Veteran

Posts: 306
100100100
Location: Medford NJ
i have had progressive for 5 years .they told me that since my sidecar was an accessory to increase my accessory coverage.i upped it to $5000 .and then a pizza delivery girl slammed me..they paid me for the damage to the bike and paid me the 5 grand for the sidecar. they were good on settling it with a few minor problems .and when i told the girls insurannce company i wasnt going to sue they over nighted the $500 deducable.i also added $10,000 medical on my policy which was good because that ride to the hospital was $700 .
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DirtyDR
Posted 4/17/2016 4:35 PM (#88739 - in reply to #88674)
Subject: Re: insurance question



Veteran

Posts: 254
1001002525
Location: Edwards, CO
I have been with Progressive for many years and have found them great to work with. When I first got my Ural I was running down a county road up here and hit a rock in the road that punctured my oil pan. I didn't know it and 30 miles later the crank seized from a lack of oil. Progressive paid to have the motor rebuilt by the dealer with no questions asked. I also had a lady broad side my home built cargo tub on the GS and they cut me a check for $1,500.00 with no questions so I could build a new one.
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stancotreau
Posted 4/17/2016 6:43 PM (#88742 - in reply to #88674)
Subject: Re: insurance question



Regular

Posts: 51
2525
Location: Billerica MA
Thanks for the info, I did decide to go with progressive, I was going to go with Safeco, but they are a liberty mutual company and to be honest, I'm kinda ed off at liberty right now
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michaelh
Posted 4/18/2016 1:39 PM (#88747 - in reply to #88674)
Subject: Re: insurance question


Veteran

Posts: 120
100
Location: Pago Pago, American Samoa
Just to put word out for anyone else who may be in my circumstance, Dairyland was the ONLY insurance company who would cover a non-US resident, US citizen, on a rig licenced in a US territory operating in the Continental US, albeit at a ruinous rate.

None of the biggies understood that a US Territory is part of the US, and firms that specialised in insuring non-US citizens knew their geography better.
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judea1lee
Posted 4/20/2016 9:00 PM (#88763 - in reply to #88747)
Subject: Re: insurance question


Member

Posts: 16
0
Nationwide is good. They insured my sidecar with $7500 accessories coverage. That's as high as I could go. Not bad since the car is worth $10000 new. Progressive isn't bad but I dropped them a few years ago for personal reasons..
Lee
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stancotreau
Posted 4/21/2016 5:26 AM (#88767 - in reply to #88763)
Subject: Re: insurance question



Regular

Posts: 51
2525
Location: Billerica MA
judea1lee - 4/20/2016 9:00 PM

Nationwide is good. They insured my sidecar with $7500 accessories coverage. That's as high as I could go. Not bad since the car is worth $10000 new. Progressive isn't bad but I dropped them a few years ago for personal reasons..


Thanks but nationwide doesn't insure in Massachusets
Lee
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wvsporty
Posted 4/29/2016 10:36 AM (#88885 - in reply to #88674)
Subject: Re: insurance question



Extreme Veteran

Posts: 413
100100100100
Location: Inwood WV
I have Progressive and they only go to $4000 in accessory coverage on mine , I checked into Riders Insurance(east coast only company) and they are $12 a year cheaper for insurance on 4 bikes and have a $6000 accessory coverage. I have a Velorex sidecar so progressive is fine for my coverage needs.
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rodder
Posted 5/2/2016 7:11 PM (#88947 - in reply to #88674)
Subject: Re: insurance question


Member

Posts: 33
25
insurance coverages vary for sure as do agents, when i switched agents my progressive rates dropped big time!!
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MrMike
Posted 5/2/2016 11:00 PM (#88952 - in reply to #88674)
Subject: RE: insurance question



Veteran

Posts: 206
100100
Location: Richton, MS
My wife talked me into using Progressive as a offshoot of her USAA policy (they don't cover motorcycles). Less than two months after getting the policy and while the Velorex was in the shop being customized, I totaled the Yamaha V-Star 1100. Dropped it doing 50MPH. Walked away with one minor scratch and Progressive saved me on the bike. Called them on a Friday, they had an adjuster at the Yamaha shop over the weekend and got the check to me Monday morning. They wrote the bike off and gave an allowance for every little accessory that had been added. I think they are great, even if they were about five bucks more than State Farm would have been. State Farm was cheaper because we have our home, cars, truck and other motorcycle with them. Thinking about switching my other rig to Progressive....
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horrorguy
Posted 5/11/2016 9:43 AM (#89089 - in reply to #88674)
Subject: Re: insurance question



Extreme Veteran

Posts: 306
100100100
Location: Medford NJ
state farm was very expensive for the motorcycle insurance so i went with progressive .and i have all my other insurance with them which surprised me .i went with State Farm for my homeowners because they were dog friendly .i was dropped by my long time homeowners insurance company because i had rotties and State Farm doesnt have a bad dog list.
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jkmolt
Posted 5/12/2016 12:06 PM (#89109 - in reply to #88674)
Subject: Re: insurance question


Veteran

Posts: 195
100252525
Location: Portland, Oregon
I use Foremost through the AARP. No claims yet, and I hope I never have one, so don't know about how easy they are to work with. The price is definitely good, and on one rig they allowed me to determine the value of my rig should I have a "total" accident.
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Loon
Posted 5/19/2016 1:53 AM (#89186 - in reply to #88674)
Subject: Re: insurance question


Veteran

Posts: 163
1002525
Location: Southern Tier of New York
you never know how good your insurance is or how the experience is going to be until you have a claim. Fortunately, have not had to find out to this point, but since I also have Progressive the positive comments reduce the fear of the unknown.
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96flgeez
Posted 5/23/2016 11:27 AM (#89236 - in reply to #88674)
Subject: Re: insurance question



Regular

Posts: 60
2525
Location: Pittsboro, Indiana 46167
We switched to Rider Insurance out of New Jersey, 800-595-6393, when we bought the 2005 RG as a tug. We were with Foremost thru HD Insurance. In April 2015, we were surprised to be told they provided enough "Accessory Coverage" to cover a complete replacement cost for the Sidecar. We questioned the comment, but were reassured it would be covered. Foremost had charged additional "Accessory Coverage" fees to cover the trike conversion.



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