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I'm pretty sure that you can take out standard policy on it, then suspend all but fire/theft coverage on it? Pretty sure that State Farm does it.

If you were found 0% at fault and the company pays out under Direct Compensation for Property Damage, they should usually cover contents damaged in the accident (Most insurers do). In any other situation, they would not.

I will often look at prior claims that that person/policy has had with our company/frequency track their history, but it is rare that we will order a report to see what kind of claims they've had with prior companies.. thats something that is more done on the underwriting side before they write...

For that, I really can't say, thats entirely up to the bodyshop

No. In ontario insurance is a 'no fault coverage'. Basically, your company ALWAYS pays for your damage if the other person is at fault, it NEVER goes through the other person's insurance. This is called Direct Compensation for Property Damage (DCPD). They do not recouperate the money from the...

If you have any specific questions that you see alot, post them in here and I will try to answer them with as much detail as possible!

It used to be this way, once upon a time, but since the Bill 59 SABS came into place, the law is now clear that no settlement can be made until after 1 year. If quick settlements were possible, there would be the possibility of cutting out a lot of the milkers.

No problem. You are absolutly right, it is absurd! This is exactly why the average AB claim has gone from $30,000 in 2007 to $80,000 in 2009. The system needs to be fixed! We are hoping that insurance reform is on the way. The government is sitting on an anouncement that we should hopefully hear...

Some shops have lower operating costs and are able to offer their services to appeal to people who want to complete repairs on their own. They are able to charge less than fair market value for labour, and if well experienced, know that they could complete the repairs in less time than specified...

Reserved for additional Comments. I will attempt to answer any more questions you may have, please post below.

Just a bit about myself first, so that you can understand where I’m coming from. I work for a major Ontario Insurance Company. I have worked for a number of years both in the Property Damage (Damage to your car) and Accident Benefits (Injuries) claims departments. In my time on this forum, I...

I totally agree with you, i LOVE the thruxton! Awesomest bike out there... this WILL be my next bike! How do you like it.?? How do you find it compares to other bikes you've ridden???