I had McGraw Hill for liability on the bike for years, till they were no longer the cheapest. I agree with you r friend 100% on AAA, I have heard the exact same thing about them from our body shop. After 30 years with no claims my family has had a stroke of bad luck. 3 cars totaled in less than a year, all the uncontested fault of the other (women) drivers, one rear end collision on the freeway because she was tuning her radio during rush hour stop and go traffic and never saw traffic come to a stop and never hit her brakes (by her own admission in the police report). The other 2 by inpatient women turning left in front of us at the last possible moment. We were compensated in less than 2 weeks in every case with higher than blue book value. In one case they helped us get the settlement from Geico, the other parties insurance, for my son's injuries. Geico tried to claim he was 20% liable, AAA said hell no and offered to help if Geico didn't back off. When my wife sent them a harshly worded letter on her law firm's letterhead they changed their tune and paid the full claim. So, yeah, based on that reaction from Geico I would say your friend is also correct there too. They fabricated a story that my son was responsible for 20% of the damages because he "must have been speeding or he could have avoided their client", despite a police report and 2 witnesses statements that clearly stated that the other driver was at fault, just to save a couple thousand bucks. BTW, their evidence for that claim, satellite images of the intersection, they didn't even bother to send anyone out to the scene, just used Google Earth. That almost made me drop Geico, and if I had full coverage I would have, but since I only carry liability I won't be the one who has to try to collect from them in the event I'm at fault in an accident. So, while I renewed with Geico because they were the cheapest for me, I think they are a piece of crap.I have two vehicles and renters insurance thru Allstate, but their MC rates are pretty high, and my body shop guy tells me they aren't all that good about paying claims like they used to be. So my MC insurance is thru McGraw Hill, my bills come from Pacific Specialty in Anaheim. Allstate subs this out to them, I suppose Allstate gets a small premium for that.
I have one speeding ticket that was three years old yesterday. No DUI's ever. As of today, I'm a clean driver. Ya.
PS told me it would be another 1000/year or so to add Comprehensive, which covers theft, fire, vandalism.
They went on to tell me it would be another 1000 or so for full coverage.
So they wanted about 2200/year for Liability, Comprehensive, and Collision.
I asked why so much, they said the RVT1000r is a unique race bike, therefore a super high risk.
Obviously they don't want to sell comp and collision for my bike.
Interestingly, the rates are about half that for a CBR1000rr.
So I was told.
btw, my body shop owner/friend tells me Geico is an Allstate subsidiary. And they're difficult about paying claims. He says they push for aftermarket parts instead of OEM, and they are just chintzy. He doesn't like dealing with them, too much time wasted arguing over coverage and proper repair. Triple A is the exact opposite, he says. He's on their prefered vendor list, gets a lot of work thru them.
Fair point, and there can be wide variations between 'basic' and full comprehensive cover with extras like helmet and leathers cover.Interesting that people here don't mention the type of coverage they have. . .