I'm looking at my sled after a few thin seasons and it has enough damage on it to clear my deductible with both body, chassis and electrical damage. I haven't ever had to use insurance on my toys before so i'm unfamiliar with how claims are processed. I assume you have to go through a dealer or shop to verify the damages. my question is can you take a bunch of separate issues and get them covered by state farm, progressive or whoever. When i think about vehicle claims, i recall a documented single incident was required to get damages paid. Is this also the case with snowmobiles?
Insurance Claims
- Thread starter Snowbird11
- Start date
Check your policy to be certain but I'm pretty sure it's per occurrence.
Its just like a vehicle. Per occurrence.
That ship has sailed.
I doubt that electrical is covered.
Also... Wear and from driving it on "thin snow" is not and should not be covered.
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I doubt that electrical is covered.
Also... Wear and from driving it on "thin snow" is not and should not be covered.
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I
inspector01
Well-known member
AKA- Insurance fraud.
i guess i should read my policy. I must have been told a tall tale by the guy selling the policy. He said I had a $500 deductible so any and all damage above that is paid for, even blown engines. since i've never used insurance other than medical for my kids and wife, i'm a bit of a novice on how it works. maybe i should save the money i pay in and have a rainy day fund.
fwiw,
our thin seasons out here are still better than most other areas good seasons and nothing like california's last winter. all damage was incurred accidentally during normal riding. i'll likely replace what i need to on my dime but i don't really see how these damages don't merit the use of insurance. i'd feel better about this claim than the guy that runs his turbo up a technical couloir only to have it tumble down 3,000 vert and end in a pile of metal and plastic. same goes for the person riding a NE facing slope after strong SW winds on top of 1.5mm near surface facets with 2' of fresh to blow around.
i guess i need to step up my risk taking behavior to warrant the use of insurance.
You either need to learn to ride, or learn how to do maintenance. Insurance is for a major event situation, not "my junk is hammered, wore out, and I'd like a new sled" situation. Furthermore, turning in multiple bs stuff could be deemed fraud and the last thing you would want to have is an open discussion on your possible claim.
I am an insurance adjuster, collision and comprehensive damage claims are per occurrence, with deductibles applying at every claim. you cannot build up your claims, and pay one deductible, and get them all covered under one claim.
also, when you do turn in any claims, anything that is maintenance, mechanical failure from wear and tear ect.. is not a covered loss.
don't try to turn claims in you cant substantiate. the agents may be naïve but, the adjusters are not. they will deny claims, cancel policies, and put fraud marks on your insurance record, that will follow you worse and longer than a drunk driving charge.
the insurance companies are an industry for profit, they do not want fraud using clients in the system and they will weed them out.
your results may vary. Ski
also, when you do turn in any claims, anything that is maintenance, mechanical failure from wear and tear ect.. is not a covered loss.
don't try to turn claims in you cant substantiate. the agents may be naïve but, the adjusters are not. they will deny claims, cancel policies, and put fraud marks on your insurance record, that will follow you worse and longer than a drunk driving charge.
the insurance companies are an industry for profit, they do not want fraud using clients in the system and they will weed them out.
your results may vary. Ski
I have never made any claim on sleds but in my knowledge snowmobile insurance cover many things so first check what was covered in your insurance policy. The damage get paid if there is any body injury, damage to snowmobile, stealing of your safety items or helmet. So before applying for the claim you must check your insurance policy. Claiming process is very daunting which is beyond understanding of a common man and require a professional to handle, so you can hire a public adjuster to get maximum claim settlement value.
