harley wrote:
don't most of us have insurance today, but about getting home, they aren't going to give me my bike to ride home, maybe a car, but not my bike. I know even if I had your insurance I would not get a new bike, they might give me 10,000 but I doubt it.
Why would you, who has a used bike get a new bike? You would get fair market value for your used bike with no extra for any emtional attachment. I've had a few claims over the years and I've found insurance companies to be more than fair,no complaints, generous even.
And when you're stuck and as much as it be better to have your bike back, at least a loaner car gives you a chance to get home and regroup instead of being stranded. It happened to me a couple years ago on the Calais,ME and St Stephens,CN border. Fried a stator and Liberty Mutual sent a flat bed 100 miles from Bangor, the closest HD shop. Covered all costs after the minor deductable.