[Ducati] insurance claim

[ducatisti]

Years ago, Allstate covered a friend's R6 that he wadded up at the track 
on a private (member) day. I'd hazard it's one of the reasons Allstate 
has shied away from insurance bikes in recent years. Back then, they 
were dirt cheap if you could get coverage with them.

Whether or not you're screwed from waiting so long to file is going to 
come down to the terms in your policy. I'd suspect you're either screwed 
or can expect to be dropped shortly after settling your claim - it's 
Geico, and they've got a fairly bad reputation from what I've seen (no 
direct experience though).

Best of luck with it, and don't foget to factor in the deductible and 
subsequent premium increase if you decide to file. I've been in 
situations where it made more sense to suck it up and pay out of pocket.

IMHO, if track days are covered, they're covered. It's one of the 
reasons I always ask for a specimen policy prior to getting a quote from 
a new insurance provider. Invariably, it comes down to the carrier's 
discretion.

cody