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I am now a victim of my own insurance company and currently involved in a lawsuit to get reimbursement for the aftermarket parts that I had on my 2009 Street Glide. My insurance company agent had sold me a policy that was an upgrade to cover the $8000 worth of aftermarket parts I had on my Street Glide. The declaration page listed all my parts, so I felt confident that I was adequately covered -- that was until June 18th of this year. I was in backed up traffic that was not moving when this car came flying up behind me doing 65 mph. He never applied his breaks as he hit me dead center in the rear.

My bike and I flew 20 feet down the road. My Street Glide was totaled and now my insurance company wants to only pay me cash value for my ride. That value is $7,500 less than what I thought I had my bike insured for. So, beware that if your motorcycle is totaled they go with cash value and that WILL NOT in their opinion cover your total investment. My insurance agent that sold me the policy had told me that all parts were covered but what she didn't understand was totaled was a whole new set of rules. My lawsuit claims consumer fraud since she misrepresented the product she sold me. My advice to all rider's is to revisit your policy to confirm that in case of an accident that totals your motorcycle you still have coverage for all your aftermarket parts that covers replacement value.

Judy
Sylvania, OH
Tuesday, August 23, 2011
Editor Response
Thank you for sharing your story. Good reminder to all of us.
Genevieve Schmitt
My insurance company considers the fairing on my Kawasaki Concours an accessory even though it comes on the bike stock from the factory. I was glad I found out BEFORE I had a claim.

Rita
Madison, WI
Tuesday, November 3, 2009
This was a wonderfully informative article. I didn't realize that accessories were not automatically included in your coverage. I'm in the process of insuring my new motorcycle so I'm glad I read this. Thanks!

Ann Rivera
Murrieta, CA
Wednesday, September 9, 2009
Yes insuring your accessories and gear is a must. Some folks put thousands of dollars into their bikes. Some motorcycle dealers do appraisals also.

Judy from Motorcycle Touring Made Easy
Wilmington, DE
Tuesday, September 8, 2009
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