Insurance -- Deer strikes are often not covered
- Thread starter Constant Mesh
- Start date
Help Support Yamaha FJR Motorcycle Forum:
cougar8000
Well-known member
I would sure be pissed if my insurance declined to pay for the claim. I know here in IL they do pay. There are many things that insurance agents are not telling you or which is more likely not knowing either and in turn hurting you.
Few years back I met a couple through riding as usual. We became good friends after that. Girl turn out was an agent for State Farm. I was with State farm. On one of the rides we started talking about insurance and she offered to take a look at my policy. There were things that she said I did not needed and there were things that I did needed but did not have it. She explained this by telling me that my agent was not a rider and had no clue what I really needed and simply gave me a blanket policy. needless to say she is my agent now.
Great topic. Please check your policy.
Few years back I met a couple through riding as usual. We became good friends after that. Girl turn out was an agent for State Farm. I was with State farm. On one of the rides we started talking about insurance and she offered to take a look at my policy. There were things that she said I did not needed and there were things that I did needed but did not have it. She explained this by telling me that my agent was not a rider and had no clue what I really needed and simply gave me a blanket policy. needless to say she is my agent now.
Great topic. Please check your policy.
TriggerT
Mr. Impatient
Yup, I know my deer strike was covered by State Farm. I think any insurance agency in either IL, or WI that didn't cover deer strikes wouldn't be around for very long.
Warchild
Benevolent Dictator
While it reads a tad sensationalist, the article doesn't appear to offer ground-shaking news; deer strikes have never been covered by Collision; they have always been covered under Comprehension.
When you hit a cage or vice-versa, that's obviously a Collision claim. But pretty much most all road hazards that you hit are generally covered under comprehension. When you get a stone thrown up and it cracks your windshield, it's a comprehensive claim. When you plow through a deer's midsection at 60 mph, it's a comprehension claim (BTDT). When you spear a coyote at speed with your lower front cowling, it's a comprehension claim (BTDT).
For us riders, even if you have an old, crusty, rebuilt deer-strike bike with a Salvage title, IMO it's ill-advised not to have Comprehension insurance. It's usually a fraction of what the Collision/Liability section of your policy costs.
When you hit a cage or vice-versa, that's obviously a Collision claim. But pretty much most all road hazards that you hit are generally covered under comprehension. When you get a stone thrown up and it cracks your windshield, it's a comprehensive claim. When you plow through a deer's midsection at 60 mph, it's a comprehension claim (BTDT). When you spear a coyote at speed with your lower front cowling, it's a comprehension claim (BTDT).
For us riders, even if you have an old, crusty, rebuilt deer-strike bike with a Salvage title, IMO it's ill-advised not to have Comprehension insurance. It's usually a fraction of what the Collision/Liability section of your policy costs.
Last edited by a moderator:
Randy
Well-known member
PA has the highest number of deer strikes and I, unfortunately, have contributed to the statistic. Comp covered it without problem. Make sure you not only have Comp, but, make sure you check your Comp deductible.
charismaticmegafauna
Well-known member
Ins. agents (salesmen) sell insuranance -- all they can. When you make a claim, they call in the adjuster. His job is to either deny the claim or reduce the amount as much as possible. If you claim a deer hit, he'll look for hair (deer hair) stuck to the front of the vehicle (wedged into gaps, forced in by impact). If he finds some, he'll photograph same to cover his a$$ and then (usually) just approve the claim. Therefore, make sure there's 'hair' -- you may even want to keep a 'stash' handy -- just in case.
Of course, there's such a thing as "insurance fraud" -- but that's kinda moot, isn't it? Given that the whole scheme borders on fraudulent..... :angry2:
vectervp1
Well-known member
keithaba
Well-known member
There have been several people who have struck a deer on this forum.
Apparently FJR's are deer magnets.....
Apparently FJR's are deer magnets.....
Warchild
Benevolent Dictator
Fortunately, I was on the heavier, tougher ST1100 when I hit my deer:
Warchilds Deerstrike: Tinkling Brass Casings
HaulinAshe
Well-known member
State Farm in NC has a "different" kind of Comprehensive coverage. I don't recall the exact nomenclature, but if you compare the letters to your SF auto policy, there are more letters (suffix) to the Comp coverage designation. This "special" Comp coverage does NOT cover deer/animal strikes. Buyer's beware.
I did not realize this until I went searching for competitive pricing against SF in NC a couple months ago. I no longer am a SF motorcycle customer, despite my 28 years of being a SF customer for all insurances.
I did not realize this until I went searching for competitive pricing against SF in NC a couple months ago. I no longer am a SF motorcycle customer, despite my 28 years of being a SF customer for all insurances.
Similar threads
