858 Spontaneous Combustion
- Thread starter snoxracer40w
- Start date
Maybe Cat is getting their gas tanks from Polaris?
Yours does but not everybody s does. They have to set that up that way.
What would typically happen is if your friend (who didn't have coverage) had insurance, his insurance would have covered the loss. That insurance provider would have then gone after the insurance provider for the trailer and recovered the loss from that provider because that provider was the insurer of the cause of the loss. However, because your friend didn't have coverage, they denied the claim and he should have engaged legal representation. Once served, the insurance company would likely have covered his loss. This is how today's insurance industry works, they refuse to pay until served legal notice. Even then, they will sometimes (higher dollar cases) take it to court because there is always a chance some extenuating circumstances could be found during the discovery process. Typically this relevant to settlements of tens or hundreds of thousands of dollars or millions of dollars, but the principal is still the same. It's easier and more profitable for the insurance company to deny the claim until forced to do so by legal means.
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This has been my experience also.
My son was riding with a friend, they got hit head on in their own lane by a driver under the influence.
He ended up with a shattered arm, 13 screws and a plate. (160k in medical bills)
The insurance company denied any responsibility and denied their driver was at fault. (Even though the guy was arrested at the scene)
I had engaged a local attorney and after a full year we recovered all of our costs and the attorney made a bundle.
Not a fun time.
I get that and assumed that's the way it would shake out if he had insurance. Most people I know don't have cargo insurance. I always insure my sleds because of theft or fire.
"cargo" insurance is not a blanket unless you are insuring it as a work truck etc. My policy has contents, if your contents are self-insurable, aka a snowmobile or dirtbike, then they are not considered covered in that situation....ask me how I know...
Arctic Cat has begun a warranty claim with me, I'll keep this updated as I move forward.
Arctic Cat has begun a warranty claim with me, I'll keep this updated as I move forward.
Any point of origin information ie. Front, back , battery, cables , fuel tank/pump ???? snow lightning ????
Acrder: Hard to say because when I opened the man door, the whole engine compartment area was in flames to the ceiling.
Update: AC has denied a warranty claim with me. They said since it was insured it is up to may insurance company to compensate me. I asked what if I'm not satisfied with their claim offer. They basically told me we "cannot advise you on that matter". They sent me multiple "warranty case closed" emails. Really pissed, been a loyal cat guy for 22 years, raced in their race program.....
Update: AC has denied a warranty claim with me. They said since it was insured it is up to may insurance company to compensate me. I asked what if I'm not satisfied with their claim offer. They basically told me we "cannot advise you on that matter". They sent me multiple "warranty case closed" emails. Really pissed, been a loyal cat guy for 22 years, raced in their race program.....
Thats not a surprising answer, its always pass the buck. Your best bet is to find similar trailer and sleds that are for sale and take pics of the ads to have as back up to support your value claims. I had to do that with a limited edition trans am that i had wriitten off in an accident yrs ago.
Had a client have an accident with his sleds and trailer, Bottom line is..If your toy/vehicle ect..ect can carry a policy on their own it's not covered...
I just went through an insurance claim with my 2021 Mountain Max. I didn't take it to a dealer, just talked to a couple that I know and dealt with the Insurance company myself. They had a 3rd party do the estimate and the valuation. I have no idea where they got their comparables from. I searched all over and only found the 2 I had. Originally they valued mine at $7900, after arguing with my comps I got them to $9600. Their estimates on damage were also off. What shop still uses $85/hr labor rate??? Their book times were also on the low side. I didn't argue any of that because it was already totaled. They started off a bit snotty with me when I said I don't agree on value, but after poliety yet sternly arguing my point they did work with me.
That's a tough one because you might have to prove it was a defect on the sled that caused it to catch fire ("how do you know the trailer didn't catch fire first?" they're going to ask). To say "you've got insurance, so we're denying your claim" is asinine. Did they even look at what's left of the sled? This kind of thing often gets hashed out between the insurer and manufacturer, but if it could be proved that a defect in the sled caused it to catch fire and burn, the manufacturer would be liable for all damages. But they're all going to lowball and/or stonewall you and hope you give up. I'm not saying to lawyer up and fight to the bitter end, but it'd be worth at least investing in a consultation with someone who specializes in insurance and/or warranty claims to see how strong a case you have. Depends on what your insurance comes back with too though. Sad how you have to fight for every little scrap in this kind of thing...
Yeah the nitpicking on the proving part. The fire crew chief who was there rides and said yeah, by looking at the bottom of the trailer deck, it started in the machine, when I opened the door the floor was not on fire. It's BS, corporate textron nope we're not paying, we're not spending anymore money if we've declared bankruptcy bla bla. Yeah I could probably prove it could not have been anything else but I'd have to spend half of what I paid for it. As of now, I'm done w Cat, they fukked my good friend who was the Cat dealer here, loved that machine but....now this nonsense. I'm sure the insurance wont give me what I paid for it and have to go to an arbiter....especially the trailer.
Exactly. That is why my buddy's sled wasn't covered.
Thinking he was trying to prove or say a factory defect caused it which time will tell, it very well may have , which I think would only cover the loss of the cat nothing else rest would be insurance , what happened years ago with all the Polaris brake fires and didn't doo have something similar , were those sleds that burnt to the snow covered ?? Don't know never owned one ,just saw a couple of melted spots in the snow with a few metal pieces left over the years . I would think cat would step up at least with a replacement sled mite be worth spending grand or two and find a good reasonable attorney if their is such a thing !!
Grand or two doesn't go anywhere.
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