Northshore__Paul
Member
I have read several posts where individuals had problems with the bike due to debris on the roadway, potholes, etc. I will relate an incident a friend had with his Mercedes diesel several years ago. He struck a deep pothole that punctured a hole in his oil pan. He had a oil pressure gauge but no idiot light. He rode until the engine seized. He was insured by a reputable company, USAA and called them. They honored the claim as a comprehensive claim and paid for a new engine. This got me to thinking about one post about someone who lost a radiator due to road debris that punctured a hole in the coils. Honda declined the claim as it was not a mechanical cause but as a result of something striking the radiator, probably thrown up by the front wheel. I would call my insurance company and see if it covered as a comprehensive claim or a collision claim. How is this different from striking a rock with the windshield and having a comp claim. It is worth the try, all they can say is no! If not comp, why not collision? I don't think collision requires striking another vehicle, but should cover striking anything. We pay a lot for insurance, we should be able to have a claim satisfied when it is legit.
One other incident that happened to me. I was pulling into my driveway when my two large dogs, one is a 100 pounder,ran up to me in being happy to see me return, and the large dog hit my front wheel causing me to spill over in a low speed fall. Called my insurance company and they covered it as a comp claim. All I had to do was pay the deductible and you would be surprised how fast the numbers add up when you start calculating the cost of replaceable items.
Just my two cents.
One other incident that happened to me. I was pulling into my driveway when my two large dogs, one is a 100 pounder,ran up to me in being happy to see me return, and the large dog hit my front wheel causing me to spill over in a low speed fall. Called my insurance company and they covered it as a comp claim. All I had to do was pay the deductible and you would be surprised how fast the numbers add up when you start calculating the cost of replaceable items.
Just my two cents.