Buddy wrecked my sled who should pay? It is insured

[backcountryislife]

I also have State Farm on both sled and trailer but have Farmer's on my cars--that way my auto insurance should not be affected by a snowmobile wreck

Unfortunately, that doesn't work that way anymore. Insurance companies use a comprehensive claim system that shows them that a claim of any kind has been made. It won't happen as quick, your way, but it will eventually happen.

I've had this situation happen, rider paid for the obvious parts out of pocket, then when we saw that it was more serious than we thought, I claimed it on insurance. holy crap was I a noob... what we claimed that sled for is something I call regular wear now

 

[freakshow]

This happened to my sled last year....

ING I had a good friend borrow my sled and he hit a rock/stump bending the bulk head and other front end damage. I think the total for the repairs was around $1200. I too felt bad that it was a good friend and was worried about his ability to pay for the repairs.

We decided that he would pay for the deductible on our insurance to remedy the problem. We checked with our agent and the increase in our policy for the claim was minimal.

When we talked with our insurance agent we found out that my buddy had the same coverage as us. The agent also informed us that in my buddy's policy their was a clause that covered him as a rider on someone else's toy up to $1000. He was able to get the $1000 from his policy which easily covered the deductible and our policy picked up the rest.

The out of pocket cost for all of us was $0. There was a slight increase in our policy of like $15/year. We were ok with that.

I'd suggest talking to your insurance agent.

 

[Coldfinger]

I spoke to Farm Bureau yesterday and they said to think of it this way - when you loan out your sled or your car, you are also loaning out the insurance.

If you loan your sled and it gets wrecked, your insurance is the primary regardless if they have collision insurance on their sled.

If you have no insurance and they do, then their policy would cover it.

Regarding the clauses, I didn't ask about that. Good point. I'm sure this varies by company.

 

[SixtySevenGT]

Been there Done That / More than once

Like most things in life --

A big Second mortage
Letting Teenagers Drive
Letting your wife back the boat in the lake

What was your PLAN ?


Do you have a PLAN for next time ?

School of hard Knocks is pretty expensive.


By the way how many of you have Towing insurance on your TOW vehicle ?

 

[Hardass]

So i have to ask After all the comments and opinions on this tread What was the out ? How was it handled Are we allowed to know? Just curious.

 

[coyoteman]

Every one of my sleds have always been insured, even the ones that don't get ridden much. I have totaled out several over the years and my premiums have never increased enough to worry. My backup-loaner sled seems to get crashed every year by somebody. I have never or ever will expect someone to pay more than my deductible if something were to happen, thats why it is insured.
Every one in my group has the same feelings on this. We won't allow an accident ruin a friendship or someones pocket book when it could be fixed for $500 or less.

 

[BackCountryBob]

Unfortunately, that doesn't work that way anymore. Insurance companies use a comprehensive claim system that shows them that a claim of any kind has been made. It won't happen as quick, your way, but it will eventually happen.

I've had this situation happen, rider paid for the obvious parts out of pocket, then when we saw that it was more serious than we thought, I claimed it on insurance. holy crap was I a noob... what we claimed that sled for is something I call regular wear now

BCIL is correct, the accident follows the owner regardless of the carrier. So there is no advantage to having sleds under a different carrier than autos.

There is a definate disadvantage as you cannot have uninsured motorist protection on a sled only policy. Having sleds/autos together gives you uninsured motorist plus an umbrella will cover sleds/trailer as well. State Farm said they would not raise their rates for a sled accident (not sure I believe them).

Thanks to BCIL I investigated my policies and changed over to State Farm and saved $848/yr. with more coverage and smaller deductables

BCB
Farmers

 

[t30mg]

I'll add a new twist here.

If the owner is not willing to pay his deductible and use his insurance, he should not let anyone else on it period!

My nephew was riding my sled last year and while climbing out turned left when he should have turned right. There was no where left for him to go but down into the trees, which he did, and totaled my sled. He admitted he should have gone right, but wasn't thinking when he turned left.

I paid the deductible, settled with insurance, and still love my nephew and let him on my sleds.

You see, the sled is a "THING" and is insured. My nephew/buddy is a "PERSON" and has a heartbeat, and therefore, at all cost, deserves the benefit of the doubt.

After all, I did give him permission to get on my sled!

If your buddy wants to pay part or all of any of the cost, let him help.
But do not hold him liable for any of the cost, you took that risk letting him ride your sled.

 

[t30mg]

Buddy pays all of it, why should your insurance rates rise because of someone else's crash? Every sled Ive ever loaned out..... you break it you buy it, no exceptions.

This policy is great and does work, as long as your buddy knows about it before he gets on.

On a side note, my insurance did not move up at all when my nephew totaled my sled. I asked my provider how it would effect my premiums and they said it takes at least a few claims with sleds to affect it.

 

[jiujitsu]

The person riding the sled should fix it or pay for the damage, no question! Some say that the insurance rates wont go up, but that is not even really the point.
My insurance rates nearly doubled this year even though I have never submitted a claim. When I break things I fix them because I was the dumb *** that broke it. I would submit an insurance claim on my own sled if I totaled it.

No one wants to be accountable for anything, that is just the way of things these days.

Just my opinion.

 

[Polaris pride]

If the sled is insured claim and have the guy who wrecked it pay the $500. There's no point in having insurance if you are afraid to use it

 

[Reg2view]

1. Do not commit insurance fraud.

2. Everyone man up. Wrecker needs to pay the deductible. He wrecked it. Insured gave him permission, and needs to man up and submit the claim, or eat the difference. No loaner from the wrecker, that's just asking for more trouble. Grow a pair.

3. Always carry liability insurance. And I don't work in insurance.

I had a buddy wreck one of my sleds he was using, purely his fault. Insurance refused to total it. Buddy would not pay my $500 deductible. In fact, his health insurance (he was injured, to the tune of about $10k) threatened to sue me, also, and I'm a business owner. I fixed the sled, paid the deductible, ate the insurance rating, sold the sled eating some value, and went on with life. Was not sued. The guy is still a friend. He just will never ride one of my sleds ever again, and knows it.

 

[WileyCoyote]

loaner

If i loan out a sled i ask are you willing to pay my deductable($500) and if my insurance goes up cause of this,the difference for the next 3 years. Or will you fix what u break. Or buy me the same year/mileage sled. If yes, go ahead take it for a spin.on a side note i wouldn't be pulling doughnuts in marginal conditions.

 

[Totally]

Your buddy should only pay the deductible. Your insurance will likely increase, but if you let someone use your stuff, knowing they don't have insurance coverage to ride your sled, then you have to suck it up and file the claim. Otherwise, don't let people ride your sled, ever.

On another note: I believe if you tell your insurance that you hit a deer, you are not at fault, and it may not affect your driving record or your rates.

 

[jerrydecoy]

It's pretty simple for me. If I can't pay for it either out of pocket or with my own insurance, I don't borrow it! Funny how bad things happen when you borrow things. On a side note, I've always had insurance. Even on the beaters that weren't worth much. Not to cover the sled but to cover my as*! I hate the trail and get off of it as quick as I can but unfortunately most places I ride require a little trail ride. One corner and all the sudden Craig swap is calling wanting everything you've worked for. No thanks! Thank god I've never used it but for me the premiums aren't sh$t in the big picture. Just my 2 cents

 

[snowmanx]

The buddy should settle up with the $500 deductable. You should pay any premium increases that incur. It was your decision to let him ride it, you should take some ownership of the decision.

That being said, my sled is insured. Nobody but me rides it.

You have insurance, make a claim and your buddy pays the deductable. I let people ride my sleds all the time, if they break something, they pay for it, with insurance if needed. I always make that clear befroe riding. However, if the engine blows, (I know, different senerio) then that is the owners problem. If lending out it should be in a good state of tune.

I think it is kind of ****ty to even try to stick you buddy for $3500 if you have insurance.

 

[swayz]

Bet the owner wishes he'd read this first, could have saved himself the dilemma...

http://issuu.com/mountainsledder/docs/mountain_sledder_issuu02_rev?mode=window&pageNumber=34

 

[turbolover]

Bet the owner wishes he'd read this first, could have saved himself the dilemma...

http://issuu.com/mountainsledder/docs/mountain_sledder_issuu02_rev?mode=window&pageNumber=34

That is an awesome loaner agreement. Dirtbag Moocher bwahahahaha

 

[Trackpoucher]

We had a guy in our group that passed through like this owner once. He was only in our group for 2 rides. He would baby his sled for the whole day. We spent more time waiting on him to get through the trees as he was afraid it "may get a scratch" than riding. One day he was stuck and asked for help. I rode up stuck my sled and rolled his over. His hood cracked on the edges (typical place on those old machines.) He later asked if I would buy him a hood since I rolled it over getting him unstuck!!! Have not seen him since and I dont think he has any riding buddies or even rides anymore.

 

[DanoXRS]

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

Bendy, why you gotta be that way?! LOL

Dano.