This is ridiculous just take them to court for full value of the bike.
They are professionals. The law says if you are a professional and provide advise you are liable.
Insurance companies are a continuous scam ! You will be quoted something stupid like $50.00 less a year. That's ONE YEAR for 4-5 months of riding. Wish this was Florida !!!
I wonder what the Insurance companies do for places like Florida and California ?
They ride all season so they MUST pay...
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