[Ducati] insurance claim

[Rob Allen]

On 9/5/06, cedwards105 <cedwards105 at cfl.rr.com> wrote:
>
> Same here, I asked my agent about track rallies and courses such as Keith
> Code's schools. His answer, "Are you in competition?  If not, you are
> covered".
>
> But based upon what you claim your damage is, I'd just suck it up and pay
> for your own mishap. What is your deductible? Probably not far off what
> your
> damage will cost to repair.
>
>
Ditto that.  I think Mike Major's reply was a little on the harsh side,
frankly.  If non-competitive closed circuit events are covered, then they're
covered whether Mike likes it or not.  Having said that, though, his point
about your putting an at-fault accident on your record will almost certainly
mean at least 3 years of increased premiums.  In the long run, especially
with a minor get-off like  yours, it'd probably be more cost-effective to
just fix it and not bother the insurance company.

If you *do* file a claim, and it's covered, definitely make sure you get to
keep the crashed plastics even if you have to buy them back from Geico.
Then put them on the next time you go to the track so you don't have to
worry about it anymore.  Spare levers and such are relatively cheap to keep
on hand -- it's the plastics that are the most expensive to fix/replace and
paint.

-- 
-- Rob Allen
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2001 BMW K1200LTC "BatGirl"
2004 Suzuki DRZ125L
2005 Suzuki DRZ200 Dual Sport
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Be strong enough to stand firm when you're right,
Be humble enough to admit when you're wrong,
And be wise enough to know the difference.