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Discussion Starter · #1 ·
Long story short, my buddy and I switched bikes for a short time. Well, I dropped his in the drive way and just priced out the plastics to replace. $1000 approximately. Can I turn this in to my insurance for a claim? I have full coverage, $500 deductible, and have never had a claim before. Anyone have info on this?
 

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Discussion Starter · #8 ·
That's why I was asking here first, I've heard horror stories of people calling to ask their agent if they should make a claim on something and then getting stuck on some "underground" list that circulates through the insurance world. I really appreciate all the responses so far.
 

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Discussion Starter · #11 ·
Your not going to be able to claim his bike on your insurance. He will have to use his insurance or have you pay it outright. The only way you could possibly claim it on your insurance is if you knocked his bike over with yours, then they would pay him the full amount, but your rates will go up.
hmm. Does this differ between cars and bikes? My agent has told me that if I am driving someone elses car and have an accident that MY insurance would cover it. I assumed this would be the case with the bike as well.
 

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Discussion Starter · #15 ·
When you drive someone else's car, their insurance is primary and yours is secondary. If you drive someone else's car that does not have insurance then your policy would come into play. He would have to make the claim himself on his own insurance as he is the one with an insurable interest on his bike.
Update... dalx19, you are right! He would have to file a claim with his insurance in order to get it fixed... Looks like I'm about to be $1500 lighter in the pockets:cryin
 

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Discussion Starter · #22 ·
My agent (state farm) said even though they don't advertise it, they have accident forgiveness and that if I had to make a claim my rates would NOT go up. I haven't had a claim in 10 years though.
 
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