Did the sled make it home intact? Watch them roundabouts...
HORRIBLE END to a great day and a new sled…
- Thread starter christopher
- Start date
I feel like for the most part that's a decent deal from your insurance company. They never are going to fully cover something like a person hopes but that's pretty darn close.
Also congrats on the new sled and trailer. Lets try and keep this one track down this time!
Also congrats on the new sled and trailer. Lets try and keep this one track down this time!
C
caper11
Well-known member
Did your dealer swap the hood on the orange sled in the back? And they have a HCE.
Sent from my iPad using Tapatalk
In fact it made it around the CORNER OF DEATH intact!!
Not a clue.
I understand the sentiment, but have a different view, we pay the companies for exactly this reason, the did as little as possible to appease him as a customer, not all they could have, they did the bare minimum based on a bunch of calculations and algorithms. Now they will raise everyone's rates, not just his but everyone's so they can make money. No insurance company will every do anyone a favor.I feel like for the most part that's a decent deal from your insurance company. They never are going to fully cover something like a person hopes but that's pretty darn close.
Also congrats on the new sled and trailer. Lets try and keep this one track down this time!
My insurance guy just bought breakfast this morning
My insurance guy called me and asked if i needed help when my property was threatened by fire.
He said, "i have a truck and trailer. If u need help moving anything to a safe place, let me know, anytime, night, or day".
He gets most of my business.
Sleds are not through him as rates have doubled due to(the follow is my opinion) young guys totaling sleds at the end of season so they don't have sled payments during the summer...
Sent from my SM-G998U using Tapatalk
Really. Tell us more
I'm guessing you'd be able to grab the sled with a claw and pick up your trailer with it from now on. Still, if it were me, I'd never be able to drive through that intersection the same again. It'd definitely be too crass, but the thought occurs to me to put a little stake with a snowmobile silhouette in the grass nearby...
Anyway, I think the insurance is being a little cheap not to cover the full replacement. Not something I'd fight over though. I do wonder what a sled like that goes for on the salvage market. I poked around Copart, but couldn't find something comparable. Side-note: there might be some good deals there, especially for someone able to fix structural damage. I think I'll keep an eye out, but just on the local yard - I wouldn't chance something I can't inspect. It might take a while. Of course, now I've gotta look for @christopher's sled too!
Ultimately, insurance companies only exist if they can pay out less than they take in. They try to play it like you'll be ruined if you don't insure every bit of what you own, but for something like a sled, you're paying to smooth over a short-term financial hit. It's just a personal choice as to whether that's worth it or not. The shysters and lawyers have made things a lot more difficult too: I get the sense that back in the day there were a lot more insurance salesmen like the one @summ8rmk mentioned. Now it's very cutthroat between insurance companies who'll do anything to deny or short-change a claim, and people out to milk or outright scam a claim.
Lesson Learned.
I am adding GAP COVERAGE to my new sled.
I did a double take as well. It's a Summit Adrenaline with edge package if you are taking about the one with the orange trim with tan hood.
2024 Ski-Doo Summit - Deep Snow Snowmobile
With the best power-to-weight ratio in the industry, the Ski-Doo Summit snowmobile transforms the mountain into your playground.
ski-doo.brp.com
Here in Canada, we have 2yr full replacement value on new vehicles. But depending on your policy, the deductible for claims changes.
I fought with my insurance company for 6 mo to get paid for a 3yr old enclosed trailer that where the tongue snapped off and the trailer ended up in the ditch.
A $13k trailer, that was $18k to replace during covid pricing, they only wanted to give me $7k for. But I could have sold it for $14k used. Moral is, insurance Co are tough to deal with.
Did you win out?
Their goal is to collect premiums and NOT payout claims.
Simple business plan.
January 16th.
ONE month from when I filed the initial claim.
Ins Company paid me today.
In the end they paid me $23,445.84 on an actual Out the Door cost of 25,541.33
So in the end I took a loss of $2,095.49
Of which $1,000 was my deductible.
ONE month from when I filed the initial claim.
Ins Company paid me today.
In the end they paid me $23,445.84 on an actual Out the Door cost of 25,541.33
So in the end I took a loss of $2,095.49
Of which $1,000 was my deductible.
Similar threads
