Originally posted by: badittude
Kraw, I dont know if this is even the time to bring this up, because I know better than anybody how it feels to be ripped off... but everybody here should be told this....YOUR HOMEOWNERS INS DOES NOT COVER YOUR QUADS. YOU MUST GO TO YOUR INS AGENT AND PURCHASE A VEHICLE POLICY. THEY MUST HAVE A CURRENT PHOTO OF THE BIKE. THEY PREFER TO TAKE THE PICTURES THEMSELVES. SO LOAD YOUR BIKES UP AND DRIVE TO THE AGENT. MAKE THEM GIVE YOU A RECIEPT FOR THE FEW (LESS THAN 100 DOLLARS PER YEAR) IT TAKES TO INSURE YOUR BIKE.Remember, the only thing worse than a thief is an Insurance Agent, they love to take your money, and NEVER tell you all the stuff that is not covered. MY agent told me that while my 5000 dollar 400ex was not covered, he said the 8000 dollar mower that IT WAS LOCKED to, would have been covered if they had taken that... stupid, huh?Kraw, one more suggestion. If you have NOT talked to your agent yet.. when you do, tell him that you used the bike to maintain your yard. (like drag branches up, etc.) They have to cover it if it is used for any home maintenence.Also, and the cheapest insurance of all, if you go to EBAY and search for "driveway alarm" there is a WIRELESS device that works like a motion detector in your house. You can mount it pointed at your bikes and it sets off an alarm in your bedroom or whereever you have the reciever. If you are gone for the night, you can easily drop the reciever off at your neighbors.. I got mine for 14.95 plus shipping.Kraw, THEY WILL COME BACK FOR THE GRIZZLY. If not the same guys, you can believe they will tell their buddies about the bike that they didnt get away with. Either make it steal proof, or move it. It might be 3-9 months, but they will at least come back and see if it is takeable. I ultimately caught the guys that stole my 400ex, because I put a camera attached to a time lapse recorder on my bikes.. I was that pissed. When I caught them on tape, I drove down to the Tv Stations here in Baton Rouge, and had them put on TV. They saw themselves and cut my 400ex into little bitty pieces and burned the red plastic. Ground all of the numbers off, and sold the motor. Nice, huh? Well, I am suing all three involved to get the money back that I lost in my dealings with the insurance company. (They paid me 2450.00, less 500 dollar deductible for a MINT 1999 400ex because that is what the book value was.) Well, this one is long enough and I have to go shave for work.. later guys..Shane