Is it normal for insurance companies to refuse paying for damaged accessories on motorcycles, even if such accessories were added for protection? With a recent accident, a family member has been getting the full run around and being told accessories are included on snow mobiles, atvs etc., but not motorcycles, as motorcycles are not considered recreational vehicles!!!

Seems pretty odd to not be able to recoup your investment on crash protection items such as crash bars, engine guards etc., when such items lessen the damage inflicted to the bike in the event of a crash. In this case, the bike is totaled, so the crash bars while did their job the bike was still damaged beyond repair.

So far, they are refusing to cover several thousand in protection gear, climbing its more bling and not required, even though without any of the guards, a simple tip-over would cost hundreds to repair.

Anyone had experience with such situations and able to reclaim their loss?

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