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Old 11-09-2013, 09:29 AM   #41 (permalink)
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I had a friend who thought it would be a good idea to put an alarm in his car so it would chase the thief/thieves away. I told him he'd be better off hooking up a wireless transmitter to an indoor light or alarm so he could go out and actually catch the bastard(s).

I don't keep anything in my daily commuter, and don't lock the doors ever. The neighborhood teenage hoodlums have been going through cars for a few summers. After the second time they went through mine and took the time to separate the pennies out of the change in the cup holder I had enough. Thought about an alarm. Figured that was dumb. They lock the doors and have blinking lights and crap to warn you. I just wired up a couple of 130dB sirens to the dome light switch and hid a toggle switch under the bumper to turn them on and off. About 3 days later they opened the door on my car. Funny to watch them run as I unloaded my semi-auto 9mm blank pistol in their direction from a block away.
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Old 11-09-2013, 09:37 AM   #42 (permalink)
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Definitely a rotten thing to have happen, but it's good to know that you have them insured.

With regard to the insurance... Don't let them short you on values. Many times, the carriers want to pay out based only on book value. Sometimes that works for you, many times not. Because these are so new, you could reasonably actually make out ok.

If they want to pay out at pennies on the dollar, fight it and fight it hard. Tell them that you can demonstrate that "book value" is not an accurate representation of actual value and show them what a replacement machine of same year and condition will cost.
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Old 11-14-2013, 10:47 AM   #43 (permalink)
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Current Sled(s): 14 Pol 800 SB (mine) 15 Pol 600 SB ADV (hers)
Previous Sled(s): 11 Pol Rush 800 (stolen) 01 Ski Doo 800 MXZ X
Location: St. Paul, MN
Favorite Riding Area: NW WI, The UP, Lake Vermilion
16-17 Mileage: 748
15-16 Mileage: 1,858
14-15 Mileage: 1,526
13-14 Mileage: 1,182
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To update.....got the quotes for the 2 sleds today. They seem OK but do seem a little low. They are including sales tax, registration and DNR stickers.

Like I said a 2012 Polaris Rush 600 ES with 2100 miles and a 2011 Polaris Rush 800 ES with 1100 miles. Any experts out there know I should be getting for these. Thanks in advance.
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Old 11-14-2013, 11:54 AM   #44 (permalink)
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I've already mentioned this, but will offer again:

- Start with KBB and NADA to get a rough range to work from
- Go to your dealers and FIND machines that are very close to what you lost and get them to provide you with written estimates for the machines

Be prepared to argue with the insurance company to raise the payouts, and don't accept their first "offer" of "if it costs more, we'll cut another check. They need to, first and foremost, provide a payout to cover the actual loss. They can argue secondarily about adding monies to cover "actual replacement cost" if it's more expensive.
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Old 11-14-2013, 11:55 AM   #45 (permalink)
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To update.....got the quotes for the 2 sleds today. They seem OK but do seem a little low. They are including sales tax, registration and DNR stickers.

Like I said a 2012 Polaris Rush 600 ES with 2100 miles and a 2011 Polaris Rush 800 ES with 1100 miles. Any experts out there know I should be getting for these. Thanks in advance.
How much were the quotes?
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Old 11-14-2013, 12:03 PM   #46 (permalink)
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Current Sled(s): 14 Pol 800 SB (mine) 15 Pol 600 SB ADV (hers)
Previous Sled(s): 11 Pol Rush 800 (stolen) 01 Ski Doo 800 MXZ X
Location: St. Paul, MN
Favorite Riding Area: NW WI, The UP, Lake Vermilion
16-17 Mileage: 748
15-16 Mileage: 1,858
14-15 Mileage: 1,526
13-14 Mileage: 1,182
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How much were the quotes?
2012 7745
2011 7365

Talked to my dealer already and he is going to get back to me. KBB and NADA really do not take into account mileage. Don't know if that really matters.
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Old 11-14-2013, 12:04 PM   #47 (permalink)
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Current Sled(s): 2013 Scheuring Mod, 2013 Scheuring Stocker
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Favorite Riding Area: Lake Vermilion area
16-17 Mileage: 25
15-16 Mileage: 300
14-15 Mileage: 580.9
13-14 Mileage: 1399.7
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Originally Posted by meburdick View Post
I've already mentioned this, but will offer again:

- Start with KBB and NADA to get a rough range to work from
- Go to your dealers and FIND machines that are very close to what you lost and get them to provide you with written estimates for the machines

Be prepared to argue with the insurance company to raise the payouts, and don't accept their first "offer" of "if it costs more, we'll cut another check. They need to, first and foremost, provide a payout to cover the actual loss. They can argue secondarily about adding monies to cover "actual replacement cost" if it's more expensive.
X2. When my grandpa totaled his sled, the insurance company wanted to give him like $1200 because that is what is said on KBB, but it was valued at closer to $2000, and he went to the dealer and they gave him an estimate.

Sleds like yours are going for around $5500-$7500, roughly, so I'd expect no less than $12,000.
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Old 11-14-2013, 12:05 PM   #48 (permalink)
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Current Sled(s): 2013 Scheuring Mod, 2013 Scheuring Stocker
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Location: Embarrass MN
Favorite Riding Area: Lake Vermilion area
16-17 Mileage: 25
15-16 Mileage: 300
14-15 Mileage: 580.9
13-14 Mileage: 1399.7
Age: 22
Riding Since: 1995
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I think those quotes seem pretty fair, expected them to be a lot less actually.
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Old 11-14-2013, 12:12 PM   #49 (permalink)
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Join Date: Feb 2012
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Current Sled(s): 14 Pol 800 SB (mine) 15 Pol 600 SB ADV (hers)
Previous Sled(s): 11 Pol Rush 800 (stolen) 01 Ski Doo 800 MXZ X
Location: St. Paul, MN
Favorite Riding Area: NW WI, The UP, Lake Vermilion
16-17 Mileage: 748
15-16 Mileage: 1,858
14-15 Mileage: 1,526
13-14 Mileage: 1,182
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I think those quotes seem pretty fair, expected them to be a lot less actually.
So did I. My dealer said I should ask for 8400 each and see what they say. He said that is the "book" based on the miles.
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Old 11-14-2013, 12:13 PM   #50 (permalink)
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13-14 Mileage: 30
Riding Since: 1996
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Are the numbers that you quoted what they are estimating the value at? Or what they are proposing as a payout number? Not sure if they've already taken into account your deductible or not.
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