[megabuddys]

So this past weekend, I went on a trip the black hills, South Dakota. Loaded up 3 bikes in an enclosed trailer. Checked the bikes constantly. I am very paranoid about tying down and transporting motorcycles. Anywho, a strap chaffed and split, dropping an 800 pound Valkyrie on My rear Fender. All it did to his bike is put a chicken sh** scratch on his front fender. My rear fender isn't even repairable. It buckled out on one side. He acted like it should be covered under My vehicle insurance. I figured it was his bike that fell, his should cover it. I know it could've been so much worse but still. My Bike is practically new still! His is 15 years old.
So on Monday I called my insurance, (progressive) And they were confused as to who should cover it. In their theory, his bike collided with mine, so his should. It makes sense. My buddies insurance was mad because he wasnt going to file a claim, and were trying to say they weren't going to cover it. Its SOO confusing! So we left it to the companies to duke it out. I didn't know that the idiots who set up my Bike insurance had a thousand dollar deductable on it. I was a little irate about that. So in the end, I feel so screwed. To top it off, my buddy doesn't even seem the least bit concerned at all. Not taking any ownership or anything. He immediately had said my vehicle insurance should cover it under towing... I didn't think so.
I cant find a used fender, the only aftermarket one that I know of is the L and M one, and IMO its hideous. My Star Dealer wanted $850 for one, came painted. LOL! I found a new one though an online site for $550 so I ponied up and pulled the trigger on it. So **** depressing.

 

[StrykerLover]

Not so nice buddy you have there.

 

[UrbanRage]

Wow that sucks. Hopefully your freind will at least help put the new fender on ;D

 

[klarowe]

I do quite a bit of towing and as far as I know (I'm not professional though), the trailer is covered under the vehicle that is towing it... as well as the contents of the trailer. So your insurance should be responsible for covering any damage to the bikes. Depending on the state, it should be considered 'no fault' which should not jack your rates. However I personally HATE progressive with a passion over a screwing that they gave me when my house and wife's jeep (sitting in our driveway unoccupied) were hit hard by a drunk driver doing over 100mph on a 40mph road. He completely uprooted a 40ft pine tree, used it as a ramp and flipped over my wife's jeep crushing the roof. They wanted to give us a total of $200 because my insurance stepped up and immediately covered the Jeep then went after them. But the GAP in what it was totalled out to vs the owed about was over $1500. He also destroyed a $600 grill. They said they could replace the grill with a cheap ass 2 burner grill which is where the $200 came from. Obviously we fought and fought with them and they played right along up until the 'statue of limitations' (or whatever the insurance term is for it) ran out then called us up and said "sorry, you didn't accept the offer in time and we are no longer responsible".

So yea, I have a bad taste in my mouth with progressive..... Sorry to get off topic (sort of).

But either way, I have a feeling your insurance will be responsible for both bikes. (that is assuming your vehicle was doing the towing)

 

[megabuddys]

good info, we still haven't heard anything yet.

 

[headhz]

I do quite a bit of towing and as far as I know (I'm not professional though), the trailer is covered under the vehicle that is towing it... as well as the contents of the trailer. So your insurance should be responsible for covering any damage to the bikes. Depending on the state, it should be considered 'no fault' which should not jack your rates. However I personally HATE progressive with a passion over a screwing that they gave me when my house and wife's jeep (sitting in our driveway unoccupied) were hit hard by a drunk driver doing over 100mph on a 40mph road. He completely uprooted a 40ft pine tree, used it as a ramp and flipped over my wife's jeep crushing the roof. They wanted to give us a total of $200 because my insurance stepped up and immediately covered the Jeep then went after them. But the GAP in what it was totalled out to vs the owed about was over $1500. He also destroyed a $600 grill. They said they could replace the grill with a cheap ass 2 burner grill which is where the $200 came from. Obviously we fought and fought with them and they played right along up until the 'statue of limitations' (or whatever the insurance term is for it) ran out then called us up and said "sorry, you didn't accept the offer in time and we are no longer responsible".

So yea, I have a bad taste in my mouth with progressive..... Sorry to get off topic (sort of).

But either way, I have a feeling your insurance will be responsible for both bikes. (that is assuming your vehicle was doing the towing)

+1

 

[headhz]

Be very careful here. Not sure why you were towing bikes, but make sure you don't put yourself in harms way with the insurance company. Because you probably did not have towing insurance on the trailer. Second, whomever has insurance on the vehicle doing the towing is responsible for the vehicle and all its contents in a non-fault accident. For a bill that is a $1000 or less, I wouldn't report it. It's not worth the hassle of being charged $2000 more in insurance over the next couple years.

1) Look for a fender on the forum. I see a few go up here sometimes. People like the L&M fender and sell their old one, probably already painted too.
2) Lick your wound, lesson learned, and move on.
3) Get a new friend. Your call. Maybe worth a look back at your past experiences with this person (pros & cons). You don't know who your friends really are until you really need them.

In addition. Progressive screwed me too along with Riders ins. I would love to see a self insured company come out like a credit union operates. Non- profit, operated and managed by it's customers. Maybe it exists, I don't know.

 

[ROADKILL]

If you were the one towing then you are the responsible party - all damages should be covered under your policy under your auto policy - not your bike policy - which was not involved in a traffic accident but an incident while being towed - yes it is confusing but if you let someone write a policy with a $1,000 deduct and you were'nt aware of it.....then shame on you.....just saying.

 

[immortal13]

Well, I wouldn't haul any of your buddie's **** anymore. If he felt it was secure(I would've let him strap his own down) then I can't see why he would try to hold you responsible for his bike.

Now, for just a fender I wouldn't file a claim at all....just not worth it more than likely. Sorry about your mishap. My personal opinion is that bikes are safer in an OPEN trailer and I only ever haul mine using the Cycle-Cinch strap kit....best one out there imo.