pasedogg Posted May 27, 2008 Report Share Posted May 27, 2008 me and my buddy just had our banshees and his truck and trialor stolen, somone broke intotthe truck with the trialor with both quads on it and drove away. we both had theft insurance ion our quads. what should i expect back for my 99, i told them when i first got insurance it was worth $5000, but my reciept for the fframe is $500,are they gunna fuck me over. will they give me blue book value. Quote Link to comment Share on other sites More sharing options...
Wildcardracing Posted May 27, 2008 Report Share Posted May 27, 2008 Do yourself a favor and put together a list of comparable quads for sale with prices, along with pics of your bike and reciepts for all of the stuff you had done to it. This will give the insurance co a better idea what it is worth. And absolutely don't take thier first offer, they will lowball the hell out of you. Stick to your $5000 mark firm and they will eventually give you a reasonable offer. The adjusters job is to give you as little for your quad as they can get away with. I've dealt with insurance companies several times and alway walked away with what I wanted, it just takes a lot of time and bullshit sometimes. Quote Link to comment Share on other sites More sharing options...
sheeblue01 Posted May 27, 2008 Report Share Posted May 27, 2008 If they try and fuck you over just take it to court. I hope everything works out for you. Quote Link to comment Share on other sites More sharing options...
Animalman294 Posted May 27, 2008 Report Share Posted May 27, 2008 Ya, they are there to save the insurance company money and you are not in their best interest. As stated above though stick to your guns and they will come around.............. Quote Link to comment Share on other sites More sharing options...
pasedogg Posted May 27, 2008 Author Report Share Posted May 27, 2008 Ya, they are there to save the insurance company money and you are not in their best interest. As stated above though stick to your guns and they will come around.............. I DONT GOT ANY RECIEPTS, i never knew i was gunna get robbed.but like what if the bike was givin to me for free,i would have registered it as a gift,is it worth 0 dollars.i dont think it should be based on the 500 dollar receipt i got, i could have bought a frame and put a new bike into it.or i could havejust kknown the guy relally well and he told me to pay for a percentage of something like storage and i can take it away. i hate insurance companys, they better not try and give me a bs deal, i want a nice bike back as mine was almost brand new condition, no problems, i definalty dont want a peice of s**** Quote Link to comment Share on other sites More sharing options...
pasedogg Posted May 27, 2008 Author Report Share Posted May 27, 2008 how many times can i tell them no.should i be phoning everyday to check status. my problem too is, i was still under 30 day temporary insuarnce, i just got it, so im under investigation too, which is fine because alot of stuf got stolen and becaus of the sercumstances im pretty sure they know i didnt commit fraud, but there is procedures.so should i be calling everyday, how many times should i tell them no, is there a point where they will give me nothing, i need to make sure i get a nice banshee back soon times Quote Link to comment Share on other sites More sharing options...
pasedogg Posted May 28, 2008 Author Report Share Posted May 28, 2008 my buddys banshee whos stolen his insurance company asked for a key, i dont have a key, not even a place to put a key when i bought the bike. what the hell should i tell them. is this bad for me, the key wouldnt have stoped anything anyway Quote Link to comment Share on other sites More sharing options...
LS1Inferno Posted May 28, 2008 Report Share Posted May 28, 2008 (edited) They didnt just steal the bike itself so dont worry about the key, and as said ge a BIG list of comparable bikes, it doesnt matter if the bike was free they have to pay the cost to replace it. You can also have it paid for becuase it was attached to the truck so you trucks insurance could cover it if you are screwed, but yeah DO NOT take the first few offers untill its what you want or close too it. just put up with the bullshit and screw them back. my dads truck got hit and bent the axle and they tried to give him $600 to have it fixed, he ended up wit A LOT more jus buy putting up with the bullshit and giving them the REAL cost to fix the damn thing (ie you list of bikes) And like it matter about the key, it was in it and you can hotwire that bike in less then 10 sec anyhow. i thnk they only put a key on them to keep little kids from taking them anyhow. Edited May 28, 2008 by LS1Inferno Quote Link to comment Share on other sites More sharing options...
kawiking Posted May 28, 2008 Report Share Posted May 28, 2008 that sucks man.. i hate insurance companies !!! if ur a couple days late on a bill they throw a fit.. but when ever u need them , they will string that shit along for a while and still try and screw u.. Quote Link to comment Share on other sites More sharing options...
Washburn Posted May 28, 2008 Report Share Posted May 28, 2008 First Im sorry to hear about that and the theives should be shot. Now Insurance companys are gonna try and screw you over.Its the nature of their business. My camp burnt down and we barely got hald of what we should have got. Deprication. Let them make a few ofers and see if they raise each time try to get within 700 of what you want out of it. Also as said getting bikes that are comprable to yours is a good idead but how are the insurance company know thats what kind of bike you had? Im curious about this myself. Witnesses? Also try to call around where you got your parts and stuff and see if they will give you recipts based on the information you gave them. Credit/Debit card Ide imagine. Quote Link to comment Share on other sites More sharing options...
pasedogg Posted May 30, 2008 Author Report Share Posted May 30, 2008 First Im sorry to hear about that and the theives should be shot. Now Insurance companys are gonna try and screw you over.Its the nature of their business. My camp burnt down and we barely got hald of what we should have got. Deprication. Let them make a few ofers and see if they raise each time try to get within 700 of what you want out of it. Also as said getting bikes that are comprable to yours is a good idead but how are the insurance company know thats what kind of bike you had? Im curious about this myself. Witnesses? Also try to call around where you got your parts and stuff and see if they will give you recipts based on the information you gave them. Credit/Debit card Ide imagine. now im stuck with a brand new top end. i have cylinders brand new, pistons 640 for it, and shipping was 80and a 90 dollar border fee, now i dont need that.anyone want to buy this from me $650 even. ill throw in a set up dg head pipes and stock silencers for $725 Quote Link to comment Share on other sites More sharing options...
Michael Jackson Posted May 30, 2008 Report Share Posted May 30, 2008 holy shit, truck, trailer and 2 banshees..... goddamn dont worry,, karma will come back and get them, it always does! Quote Link to comment Share on other sites More sharing options...
LS1Inferno Posted May 30, 2008 Report Share Posted May 30, 2008 I wouldnt be to hasty about selling that shit, you could end up with the bike back. and if you get another spare parts are NICE insurance. Quote Link to comment Share on other sites More sharing options...
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