Originally Posted by
Bianchigirll
USAA told me I basically need a rider for each bike I wanted to value and list on my renters policy.
just like cars insurance companies are going to give you as little as possible. They don’t care if you had a Colnago made from angel bones encrusted with jewels made from unicrown horn that was blessed by the Pope or a huffy you got on sale at Walmart. It is just a bike to them
You need a different insurance company.
all are not the same, in general from my observation, the more spent on advertising, the less % of revenue on claims.
So far, I have been fortunate. Save the first claim, 3 weeks after I bought a new car in 1979, Parked on the street, sideswiped.
probably on purpose but no witnesses, just an aside.
The Insurance company? Allstate.
I took the cash, and made out OK, bought a new door and fender, dealer parts dept gave me a discount.
So, no bondo, just paint. Did tick me off that there was a 20% depreciation factor in shorting the claim.
Was happy that Japanese parts were so uniform.
When I brought up the discounted reimbursment, they were straightforward, you going to sue us for $100?