A
autowrench
Member
I wish you luck on this! I am also one of those people who took into account the 4 year warranty when I snow checked my 13. So I will be watching how this comes out for you.
polaristar warranty
- Thread starter AKSNOWRIDER
- Start date
AKSNOWRIDER, if you could e-mail me a copy, I would appreciate it! I looked through my paper work and don't have a copy with my 13 snow check stuff
Thanks!
Oh Boy
As I mentioned above, Progressive (my sled insurer) said it would not be covered.
I talked to my insurance agent today (AAA) here in MN that covers my house, and vehicles. I told him the same story only in more detail, and he said it would NOT be covered. He said being that it was not an "incident" it is not covered. His words not mine. An "incident" would be a crash, theft, tornado, caught on fire because it was in your shop, barn, etc. If it was a manufacture's malfunction it is not covered. I even brought my up Toyota scenario story as mentioned above and he said depending on the policy it may be covered being that it was a crash. ("Incident")
So in my opinion if AK gets screwed here we can all expect the same sometime in the future. I am grateful that AK has the smarts and the guts to keep us informed and stand up for what's right for all of us!
As I mentioned above, Progressive (my sled insurer) said it would not be covered.
I talked to my insurance agent today (AAA) here in MN that covers my house, and vehicles. I told him the same story only in more detail, and he said it would NOT be covered. He said being that it was not an "incident" it is not covered. His words not mine. An "incident" would be a crash, theft, tornado, caught on fire because it was in your shop, barn, etc. If it was a manufacture's malfunction it is not covered. I even brought my up Toyota scenario story as mentioned above and he said depending on the policy it may be covered being that it was a crash. ("Incident")
So in my opinion if AK gets screwed here we can all expect the same sometime in the future. I am grateful that AK has the smarts and the guts to keep us informed and stand up for what's right for all of us!
You're dealer should have that copy.
Anyone who wants a copy of anything I have..please pm me your email addy and which year(s0 of stuff you want, thanks...mike
S
snowmobiler
Well-known member
As I mentioned above, Progressive (my sled insurer) said it would not be covered.
I talked to my insurance agent today (AAA) here in MN that covers my house, and vehicles. I told him the same story only in more detail, and he said it would NOT be covered. He said being that it was not an "incident" it is not covered. His words not mine. An "incident" would be a crash, theft, tornado, caught on fire because it was in your shop, barn, etc. If it was a manufacture's malfunction it is not covered. I even brought my up Toyota scenario story as mentioned above and he said depending on the policy it may be covered being that it was a crash. ("Incident")
So in my opinion if AK gets screwed here we can all expect the same sometime in the future. I am grateful that AK has the smarts and the guts to keep us informed and stand up for what's right for all of us!
that really surprises me.so if somebody has full coverage and no warranty,they would have to pay for everything out of pocket.
As I mentioned above, Progressive (my sled insurer) said it would not be covered.
I talked to my insurance agent today (AAA) here in MN that covers my house, and vehicles. I told him the same story only in more detail, and he said it would NOT be covered. He said being that it was not an "incident" it is not covered. His words not mine. An "incident" would be a crash, theft, tornado, caught on fire because it was in your shop, barn, etc. If it was a manufacture's malfunction it is not covered. I even brought my up Toyota scenario story as mentioned above and he said depending on the policy it may be covered being that it was a crash. ("Incident")
So in my opinion if AK gets screwed here we can all expect the same sometime in the future. I am grateful that AK has the smarts and the guts to keep us informed and stand up for what's right for all of us!
wow. Since all 'non-incident' sled fires are mechanical (they are not built to burn), there must be others out there who have had a weenie roast provided by their sled and covered, or not covered. But the rule would be - "It started from an incident/tree/rock/fell off trailer", etc., then.
I think what he is refering to is you have a mechanical failure, it is repaired by the dealer(the mechanical part), but warranty wont cover the cosmetic damage, and you file a claim against your insurance for the "fire" damage..My dealer just assumed i would turn the "rest of the damage" into my insurance..I said no..it is all part of a failed covered warranty repair...which is why i am here posting this...So far i havent heard from anyone else who has contacted the ESC provider and asked for confirmation on their 4 yr warranty(bumper to bumper or powertrain only)or of anyone filing a consumer complaint with their Attorney general...I doubt much will change with just me filing a complaint...its goint to take multiple filings to get results.....
I don't know. I talked to two different insurance providers today, and they came up with the same answer. Maybe every sledder reading this thread should call their insurance provider, and ask the same question(s).
AK:
Another option you might want to look at, besides contacting your State Attorney General, is Small Claims Court. Not sure what the max claim limit is in Alaska. If your dealer covers the mechanical end of things, you could file a Small Claims action against Polaris for the cosmetic portion of the damage. You don't need to hire an attorney; just pay the filing fees and present your case in front of a Small Claims Judge. Wouldn't hurt to look into it.
Another option you might want to look at, besides contacting your State Attorney General, is Small Claims Court. Not sure what the max claim limit is in Alaska. If your dealer covers the mechanical end of things, you could file a Small Claims action against Polaris for the cosmetic portion of the damage. You don't need to hire an attorney; just pay the filing fees and present your case in front of a Small Claims Judge. Wouldn't hurt to look into it.
Z, it will get filed small claims, but polairs will boot it straight to district court(have seen this before), I will see what the AG says, as well as what the polaris rep comes up with first..they all know I am serious about finishing this so hopefully they too take it seriously...
I figured that is exactly what the insurance would say.. they are identical to the ESC providers..they wont cover anything they think they can get out of covering...I don't know. I talked to two different insurance providers today, and they came up with the same answer. Maybe every sledder reading this thread should call their insurance provider, and ask the same question(s).
I don't know. I talked to two different insurance providers today, and they came up with the same answer. Maybe every sledder reading this thread should call their insurance provider, and ask the same question(s).
When an incident comes from a mechanical failure, on a car, sled, house...
They cover the result of the failure, but not the failure itself.
IE: My plumbing cracked & trashed my house, they cover the repairs to the house, but not the plumbing.
My car has a mechanical issue (let's say an axle snapped & I got into a small accident) and it causes an accident, they'll cover the results of the accident, but not the axle.
It may seem odd, but that's how it works when it stems from a mechanical type issue.
They would cover the fire damage, but not the mechanical items that caused it.
This is a common thing, most folks just don't get the chance to run against this kind of issue.
Warranty Bozo's
Have you tried these guys? commerce.alaska.gov/ins/
I guess commonsense tells me it's a warranty issue and not an insurance issue. But as I mentioned before these people speak a different language. If it were me and the warranty didn't cover all but the deductible I would go with State Attorney General plan first. I wouldn't think it would cost much if anything. I had to use the AG one time here in MN, and I was very impressed with them. I also went to small claims court (Kangaroo Court) one time and that was a joke. $.02
Have you tried these guys? commerce.alaska.gov/ins/
I guess commonsense tells me it's a warranty issue and not an insurance issue. But as I mentioned before these people speak a different language. If it were me and the warranty didn't cover all but the deductible I would go with State Attorney General plan first. I wouldn't think it would cost much if anything. I had to use the AG one time here in MN, and I was very impressed with them. I also went to small claims court (Kangaroo Court) one time and that was a joke. $.02
I am so glad you said that because my agent told me for instance, that if my stove started my house on fire the house would be covered but the stove wouldn't. So what conclusion do you come to? Insurance will cover the fire damage, or will not?
Yep, they'll cover fire damage... just won't buy you a new stove to replace the faulty one. It's odd, I know.
From roof failure to plumbing failures, to car issues... it's just how they do things.
On the other hand, the WAY you word what happened is significant
. Make sure you think before you talk to them about how you explain it. Not saying to lie, just be aware of what you say. Just like how they say to never admit fault... same goes for you, an improperly explained situation could cost you big $$.For example, if an "incident" caused the plumbing failure, then they'll cover the plumbing. If a hailstorm caused a roof to fail compared to just a sudden roof failure... the way they cover it is different.
Yes good point! I guess that's how "you have the right to remain silent" speech came about.Yep, they'll cover fire damage... just won't buy you a new stove to replace the faulty one. It's odd, I know.
From roof failure to plumbing failures, to car issues... it's just how they do things.
On the other hand, the WAY you word what happened is significant
For example, if an "incident" caused the plumbing failure, then they'll cover the plumbing. If a hailstorm caused a roof to fail compared to just a sudden roof failure... the way they cover it is different.
Secondly I phrased my question poorly.
What I meant to say is in AK's situation here, in your opinion will insurance cover his fire damage to his sled if his warranty won't?All BS aside it is sad to think that if you pay good money with good intentions for a warranty and insurance and something like this happens....... YOU have to fight to get them to pay up.
I got an e-mail from polaris legal department today, they received the consumer complaint papers from the attorney general, anyway, they said 5 of the documents were to small to read(pdf files) and when enlarged they became blurry..not much for new info but at least they are aware of a problem..no word from the AG yet....
Thanks for keeping us posted.
Yes good point! I guess that's how "you have the right to remain silent" speech came about.
Secondly I phrased my question poorly.
Yes. The fire damage is the result, and they will cover that.
