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| *Vultures Knob>>>Chopper Bike |
I totaled out my custom chopper,how much will insurance give me? |
my bike has a blue book value of 21,000 dollars,i totaled it out,as it fell off a trailor....what will i get for the insurance?...how will they figure it out? never had a insurance claim before....also how long does it take? I have full coverage well i only have a 100 deductable.....so what do you think they will offer me Book value The term "custom" normally indicates many "add-ons" that were not on the bike when sold originally. If you did not have it insured under these conditions (and probably at a higher rate) with pictures taken and all, you will probably be quite sick when they settle. Most companies only cover only what is on a standard bike or even a car. My running boards on my truck were not covered in an accident. The fact that it "fell" off of a trailer may not help your case either and may not be covered. They don't use blue book value, they will use "fair market value" if they total it, adjusted for condition. It will be on your collision of course, and less any deductible amount you chose when you got your insurance. I would imagine there are 3 factors involved. Not sure but it wont be 21k |
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