Buddy wrecked my sled who should pay? It is insured

[AZ800]

So do most sled insurance policies cover the policy holder on someone elses sled?
In general, you break it, you buy it. But is the $3500 including the shop rate, or just parts? Seems buddy could buy some parts and he and the owner split a case of beer fixin it in the garage.
In the case of a total loss, that's different I suppose. File the claim, buddy pays the deductible and maybe a little more if the premium goes up. Waaay cheaper than the alternative for buddy.
Back to the situation at hand.
Put a spin on it: If buddy was riding his own sled and wrecked it, would the other guy pay for it just 'cause he was there? Nope. You wreck it you buy it. It's luck of the draw.
That said, I don't carry insurance on my machines. (Only did for a couple years once when they were parked at a storage facility and it was in case they got stolen). Will I wish I did someday? Hope not, but if I fubar one bad enough, I've saved enough $ by not buying ins over the years to still be $ ahead. Maybe I should insure just mine and not the other 2-3 machines since thats the one most likely to ghost ride into a tree at 50mph!
I'm not suggesting this is right for everyone, but I pay cash for my toys, ride alot of the value out of them and then upgrade. Never spent more than $8k for a new sled so I'm not out near as much as some of you guys that buy a $12-14k sled off the showroom floor then drop thousands in aftemarket stuff into them. You have more $ at stake than I.
I only loan my sled to friends that I KNOW have the cash and integrity to pay up if they wreck it. It's an expensive sport and you have to be willing to pay to play. Rental outfits don't offer insurance out west (any I have dealt with). Basically you buy the sled and if you don't wreck it, you get to return it for a small fee and get your money back. Even the couple good friends that borrow occasionally, I remind them "It's yours until you return it to me undamaged." (This does not apply to mechanical things out of the rider's control. Blown belts, other mechanical issues, etc. If I gave my buddy a perfectly good running sled and the engine blew, it's my deal becasue it would have happened to me anyway.
Now in this particular situation, if the owners insurance wont go up due to this wreck +1 more (don't want buddy to use your 1 get out of jail free card!) then claim it, buddy pay the deductible and move on.

 

[tudizzle]

If you gotta turn to the inner web to figures out what is right between friends...something is already wrong.

 

[skidoorulz]

Question shouldn't even have had to been asked. Your buddy should have already paid up. I don't carry insurance on mine so I don't know if an insured sled is insured for the owner only or for everyone who rides it. If it is for the owner only and a claim is put in for damage not done by the owner then that would be insurance fraud. If it insured for everyone to ride then buddy should have already paid you the deductible. If he doesn't pay up, well then I guess he isn't your buddy, is he? Just my 2 cents worth

 

[Bendy]

This is how it works here in Canada...

stay the F@#K away from my sled!!! I don't care who you are, you're not riding it!

 

[throttlejocky316]

Wouldn't this be the same thing as wrecking someone elses car? I would think the rider that wrecked the sled should call their insurance company to claim it.

 

[cateye5312]

When I was young and broke I borrowed alot of stuff from alot of people. I always operated under the philosophy that "if you break it you buy it". Now that I am older and not broke alot of people borrow my stuff and I still operate under the same philosophy. I've had an occasion to regret that philosophy but for the most part people are pretty good about taking care of my stuff. I set the expectation BEFORE they borrow it. They know I expect it back full of gas and in the same or better condition than when they borrowed it. If it were me, I would have the buddy pay the deductible and turn it in. My buddy, however, made me pay for the $2,000 dent I put in his car because he wouldn't turn it in. No big deal, we're still buds and I paid the $2,000. It was his choice not to turn it in and I was the one who did the damage so I covered it.

Your buddy needs to man up and take the responsibility - no matter which option you choose.

 

[adamsrider]

The sled is replaceable but "what if" your friend killed another rider, You both will named in the lawsuit. It happens, Crazy not having atleast liab on any sled.

My Father back in 80's hit a older lady out riding and that was a 250k lawsuit.

 

[89sandman]

i'm with the you break it you bought it crowd. if i jump on a buddies sled and wreck it i'd expect to pay for it. that is why if i do ride it i treat it better than my own. if he has insurance and will claim it i would be thankful but would not expect it. if you can't pay don't play!

 

[Hardass]

Ok so alot of you say the rode it happened so he pays no matter what it sounds like correct. a friend of mine barrowed another friends sled and the motor blew up so he should pay for a new motor correct? We took the motor apart and it was plum full of dirt i mean really packed the reeds and case throttle bodys and all. The guy that barrowed it just rode it up a snow covered trail but that doesn't matter right i mean he barrowed it so he owes the guy a new motor right?

 

[LoudHandle]

Ok so alot of you say the rode it happened so he pays no matter what it sounds like correct. a friend of mine barrowed another friends sled and the motor blew up so he should pay for a new motor correct? We took the motor apart and it was plum full of dirt i mean really packed the reeds and case throttle bodys and all. The guy that barrowed it just rode it up a snow covered trail but that doesn't matter right i mean he barrowed it so he owes the guy a new motor right?

That is an entirely different senerio Hardass, that would border on being framed in my book. And the owners fault if he didn't take care of his own sled.

 

[Hardass]

The owner had just bought the sled whoever he got it from must have sunk it in mud or something. but it was barrowed What i'm trying to get across is there are lines for every thing.I would hate to think that a real friend would just hang me instead of trying to work it out.I guess to me if the 2 partys involved in this crashed sled secanario were really friends they would have worked it out on there own because thats what real friends do.

 

[LoudHandle]

The owner had just bought the sled whoever he got it from must have sunk it in mud or something. but it was barrowed What i'm trying to get across is there are lines for every thing.I would hate to think that a real friend would just hang me instead of trying to work it out.I guess to me if the 2 partys involved in this crashed sled secanario were really friends they would have worked it out on there own because thats what real friends do.

I think we all have our "rules / guidelines" for every situation in life we come across, it is also our prerogative to strictly adhere to them or bend them depending on the situation. Nothing in life is really cut and dry (or sure isn't in my life to date).

 

[KSH]

Only $3500.00 to repair a-arms and replace tunnel ?

EDIT
Looked up tunnel it's only $1300.00 so with 20 hours shop time and the other misc., it's not as bad as I thought.

 

[KSH]

Wouldn't this be the same thing as wrecking someone elses car? I would think the rider that wrecked the sled should call their insurance company to claim it.

Most company's treat sleds like motorcycles, they only cover you on your sled. They do not cover some one driving your sled or you driving your buddys.
I have American Family they do not cover me riding other peoples motorcycles or motorcycles including being able to use your homeowners policy, it is specifically excluded.

 

[Blown Motor]

You break it, you fix it however your means present. Cash, buy parts and fix yourself, use your own insurance etc. The fact that the guy had the sled insured has no bearing to me, he didn't insure it to prevent me from having to pay to fix something, he did it for his own personal protection. When I borrow somebodies item I treat it like my own. It's an assumed risk anytime you borrow somebodies item wether it be car, truck, bike, sled etc. If you cannot afford to fix it, dont ride it. **** happens, you have to be prepared for the worst.

 

[Blown Motor]

That's what the insurance is for, end of story.

If thats the case, will you split my insurance payments with me if I have to share my coverage? I insure my stuff from careless theft, things "I" cannot control, to protect "myself". Yes the rock incident here was out of the gentleman's control, but it was an assumed rick he took into his own hands when he decided to proceed and borrow the sled. This was in my control to choose to loan the sled, and it was in his control to choose to borrow it and assume the risk that comes with using/riding/borrowing somebodies hard earned toy.

Again, just opinions, no hard feelings to anybody who doesn't feel the same way.

 

[skibreeze]

If thats the case, will you split my insurance payments with me if I have to share my coverage? I insure my stuff from careless theft, things "I" cannot control, to protect "myself". Yes the rock incident here was out of the gentleman's control, but it was an assumed rick he took into his own hands when he decided to proceed and borrow the sled. This was in my control to choose to loan the sled, and it was in his control to choose to borrow it and assume the risk that comes with using/riding/borrowing somebodies hard earned toy.

Again, just opinions, no hard feelings to anybody who doesn't feel the same way.

Sure, I'll make part of your payment on the sled, split gas and oil for throwing a leg over a sled.

I had "buddy" sleds for several years, I bought them, I insured them, I maintained them and yes, they got wrecked. I insured them to protect me, and anybody else riding them, as well as if they were stolen or wrecked while traveing. I got reimbursed for bumpers, pipes, A arms, windshields, and once a $500 deductable for a totalled sled.

IMO, an owner that has a sled w/o insurance is the irresponsible one. What if they hit someone else's sled? Property damage? Medical bills? Honestly, considering how easy it is to have substantial damage and as cheap as coverage is, what is a good reason not to be insured?

What about trailering? Does the person driving assume 100% of the tab if he's towing a buddies sled that's not insured?

 

[SRXSRULE]

Rider fixes it, 100%. Been there, done that. Drilled a tree after getting bucked from another stump on a barrowed 2002 Summit. Never even mentioned insurance. Called the owner and told him what happened and said it would be fixed by the next weekend. Ordered all the parts on monday, returned the sled to him on friday. Eric

 

[LoudHandle]

Your driving record must be much better than mine was twenty years ago. Back then even Lloyd's of London would not insure my sleds at any price. Maybe things have changed? I now pay cash so insurance is not required and I'm not worried about having liability up here. I can ride all day and never even see another track much less another person. To each their own, if that's irresponsible so be it.

I think we got off topic, back to the OP's question.

 

[skibreeze]

Almost everything I have is paid for, that doesn't mean I'm prepared to have $15k-45k toys out there unprotected.

BTW, my parents surrendered my drivers license back to the state after only 3 months of having it. I didn't get it back until I was 19.