mxz600
Free Thinking Member
Sorry to all that it took me this long to follow up on my original post about the stone going through my belt.
http://www.spyderlovers.com/forums/...ooking-at-Spyder-tomorrow&p=507569#post507569
I wanted to make sure everything went through and also get some insurance facts to share.
As you can tell by the title, the insurance company (Foremost) cut me a check for repairs.
The total bill was $460.00 with $100.00 deductible.
My dealer gave me my 10% discount so my out of pocket cost was less than $70.00.
This was turned in as a comp claim, road debris as the cause of damage.
This is where it gets tricky. Check with your agent to make sure that there are no surcharges for multiple claims in a three year period. More insurance company's are doing this even on comp claims. Some allow two or three in a three year period before hitting you with a surcharge no matter the cost of repair. Some have the two or three in three but don't count the claims under a thousand dollars. Others still have no limit on comp claims.
I personally would not hold out turning in a claim based on getting hit with a surcharge because of a future claim that most likely will never happen. And if it does, so be it.
After three years the calendar resets for previous claims. As of right now I have two comp claims on record. I hit a deer two years ago, had the belt this year. Next year the deer accident will come off the record.
I hope this helps for anybody that may want to take this course of action.
Below are some photos of my damaged belt.
http://www.spyderlovers.com/forums/...ooking-at-Spyder-tomorrow&p=507569#post507569
I wanted to make sure everything went through and also get some insurance facts to share.
As you can tell by the title, the insurance company (Foremost) cut me a check for repairs.
The total bill was $460.00 with $100.00 deductible.
My dealer gave me my 10% discount so my out of pocket cost was less than $70.00.
This was turned in as a comp claim, road debris as the cause of damage.
This is where it gets tricky. Check with your agent to make sure that there are no surcharges for multiple claims in a three year period. More insurance company's are doing this even on comp claims. Some allow two or three in a three year period before hitting you with a surcharge no matter the cost of repair. Some have the two or three in three but don't count the claims under a thousand dollars. Others still have no limit on comp claims.
I personally would not hold out turning in a claim based on getting hit with a surcharge because of a future claim that most likely will never happen. And if it does, so be it.
After three years the calendar resets for previous claims. As of right now I have two comp claims on record. I hit a deer two years ago, had the belt this year. Next year the deer accident will come off the record.
I hope this helps for anybody that may want to take this course of action.
Below are some photos of my damaged belt.
