Wrecked sled... how to proceed through insurance.

tomcat

Member
So this is a follow up to my thread from a few weeks ago looking for suggestions for lodging areas, riding areas, etc. in Wyoming/ CO. We ended up staying in Saratoga at the Coppermine Lodge and had a great time. The Coppermine is a nice place to stay with what seemed to be great owners from the little bit I had the chance to chat with them. Walking distance to town (10 minutes) and a nice spot for Breakfast right up the road. We rode out of the parking lot at the end of the road going past 10 mile and the Rendezvous. Had great snow although it was starting to settle some on Thursday as temps rose. Hired a guide on day 2. Cameron from 3c did a nice job of getting us into new areas that we would not have explored on our own.

I was a mess on the the 141 High Country on day one. Stuck at least a dozen times in silly places. That was really my second experience riding the deep. Previously ride was on a 165 ski doo so it was much more forgiving to my lack of skill. By day 2 I was progressing well. Still got stuck a few times but definitely got better at how to park and how to get it moving in the deep without burying it. I was actually mind blown at how far the sled would go. Day 3 I perhaps got a little over confident. I decided it was a good idea to see how far the sled would go up a steep hill. Turned out to be a horribly poor decision. 3/4 of the way up the hill were a few groups of tall pines. I thought I'd really blow the groups mind by going up through them and around the back side. Any guesses how that turned out????

My eyes got really big really fast as I realized that the terrain turned incredibly steep as soon as I entered the point of no return. I eventually ran out of track and had to turn back down. When it became obvious that I wasn't going to clear the group of trees below me I bailed. The sled smacked head on into a large pine with me sitting comfortable above it in disbelief. The damage initially looked a lot worse than it was. The tree ended up going just inside of my left ski and wedging itself between the ski and body of the sled. The impact knocked the side panel mostly off and popped some other body panels loose. I thought for sure the sled was unrideable. Ended up pulling it out of the tree and put it back together the best I could. The ride back down the hill was about as scary as the ride up!

After a closer look over the panels were all able to be popped back into place. I actually was able to drive the sled the rest of the day although much more cautiously. The obvious damage at this point is the left side a arms and the bumper. The side panel has some damage but I don't know that I'd replace it unless I submit a claim. I did see that the exhaust is bent from the side panel impact as well. I arrived home late last night so will be taking a closer look at the sled from the comforts of my heated garage today. I'll have to make a determination on whether or not to submit a claim through my insurance. I have a 250 deductible through State Farm. I also have my home and several vehicles, boats, etc with them. Should I expect a rate hike if I pursue the claim? Anybody deal with State Farm before on something like this. Do they send an adjuster or do I need to take the sled to a dealer? We don't really have many dealer options around here and I don't know if I want the sled tore down the rest of the winter for insurance and the dealer to get things straightened out. If its just bolt on repairs I'd probably do the work myself. Is it poor practice to have a dealer get me an estimate and then pick the sled up to repair on my own?

One of my bigger concerns is having damage to the bulkhead or tunnel that I may not notice. Would a dealer have a way of verifying that everything is still square and true outside of just the naked eye test? The sled only has 800 miles on it and was like new before this trip. Maybe its as simple as bolting a couple a arms on on my own dime and dealing with some cosmetic defects. I'd just hate to find out down the road that I can't sell or trade the thing because unbeknown to me the bulkhead or tunnel got twisted in this accident.

Sorry for the long read and thanks in advance for any input.
 

Rupp Collector

Active member
In Michigan, through the insurance companies I deal with there would not be a rate hike. If it were mine I would get some measurements from a different sled and use to compare to yours. Good luck!
 

jakester

New member
Tomcat isn't that why you have insurance. I would call your agent and tell him you want the Aaron Rogers rate! Just kidding. But hoestly, what would you do if it were your car? I would call your agent and work with them. I don't believe they will increase unless you've made claims before. Good luck, and glad you didn't get hurt.
 

favoritos

Well-known member
Bummer deal, but it happens.
Honestly, with something that new, just get it to a dealer for a real inspection and estimate. You will have realistic numbers to help with the decision. The breakdown with parts and labor will be helpful.
I have had big damage that did go to claim. It didn't look bad with my own initial inspection, but I found more after tearing into the sled. Ironically, the inspection was part of a sales transaction. I was straight up with the buyer and we agreed to have it fixed before transfer. In my situation, the claim didn't affect rates or insurability going forward. Not going to pretend that may be the same for you. There are way too many variables that come into play.
 

mrbb

Well-known member
I totaled a sled a few yrs back, here in PA< and with Nationwide insurance, they sent a claims guy(actually 2 of them ) to come look sled over, but before that showed up, I had to email pictures and exp-lain the accident in details and also list what i felt was damaged!

being I am in PA< and well snowmobiles ain;t popular much any more due to so many low snow yrs, the claims guys knew NOTHING about snowmobiles when they got to my place to look at thing
both guys been with nationwide for over 20 yrs and NEVER had a snowmobile claim before to investigate

so for the most part they just took my word for everything LOl

Not that I had anything to gain or loose, but they were clueless

ON a side note, somethings I did learn, that may or may not interest you
one being many insurance company's do NOT cover add on's/ mod's , BUT Nation wide covered them I forget exact amount, but I think they do like 4 grand in add on's mod's for FREE/inclued ina fukll coverage policy on a sleds!

which was good for me as I had a lot of add on's(had to prove by showing receipts,. which I actually had)
a LOT of insurance company;'s Charge for add on/mod's 's or don;t even cover them!

so if you have mods or add on's(from studs to up graded parts and have reciepts, have them handy, they DON"T require much to consider a sled totaled these days!)
My sled was damaged but a easy fix, and they still totaled it, as an example

Which
brings up this point, IF they TOTAL the sled, most all insurance company's allow for a buy back option, they will either sell outright to you or?? or just deduct the buy back costs from any payment they owe you!

which is what I did!

However
the catch 22 to this issue is,
ONCE a sled is totaled, they will no longer EVER insure it again
and pretty much any other insurance company that KNOWS of it having been totaled, won't either!

as part of getting a policy they all tend to ask if sled was totaled before and if you say no, that is Fraud on our part! which can get you in trouble!

here in PA, you can file for a new title, and they will re issue you one m, removing the totaled history on the sled!
but your still stuck with being honest on form when asked if ever totaled!

as for insurance rates going up after accident,
NO I had NO issue's with that
but it was also my first claim on a snowmobile in 40+ yrs of owning /riding insuring them(and a clean driving record on other vehicles, as is ZERO claims in over a decade and only one before that was a deer collision, they called ACT OF GOD back then, not my fault)
so I have a very clean record of little to zero claims ever!
so I would imagine rate hikes would maybe come down to your driving record on any vehicle insured


if you took pictures of sled at scene of accident, that helps a LOT with making the claims adjusters happy, they loved my rather detailed one's I had I know, and then pictures of sled getting towed out, loaded on trailer, in shop and then ashed and had in a building waiting adjusters to come see, the more evidence of accident the better they told me for fast smooth claim process!



food for thought, I would get sled some place war and clean and look it over really GOOD, and I mean look at weld and bulk head really GOOD< look for anything bend not lined up
and break down things you KNOW are damaged, check prices, ON new and USED parts,
some times its not that bad to just fix yourself, iof you really like the sled and don't want it totaled out, and hassle that come from it, as again sleds get totaled pretty easy these days from INS companys!

but if a lot is damaged or again bulk head issue's, call your INS company, its why you have it!

take the check and go get a new sled and get back out there LOL
 

mezz

Well-known member
Take it to the/or dealership and have them inspect and write a detailed estimate and photos of the sleds damaged area's, this will help expedite your claim process. In light of the fact that you have a low deductible, it's not a huge out of pocket expense. I can guarantee the damages are going to well exceed your deductible. If repairable, do it right. -Mezz
 

timo

Well-known member
Get to dealer
I had what I thought was a minor read end accident 20 years sgo. Sled rode fine for the 1000 miles I rode after accident. Took sled to dealer in April to trade in. They said nope u got a tweaked tunnel, call your insurance co. They totaled it, my rate didn’t go up bundled with house and cars
 

ezra

Well-known member
I cant even count the number of a arms I have had to replace . It takes a pretty big hit on a cat to bend up the bulk head . I have litteraly ripped the lower arm off and the fr mount of upper arm off back out next day .
Hard hits on the tail or hard hits on the fr can bend the bulk head by drivers . But I am talking the kind of hit that you wake up from after the fact lol
Part of the deal when you leave the diamonds behind
 

Tracker

New member
You just found out 2 valuable lessons about western riding

NEVER....EVER....BAIL....your the pilot on this ride

NEVER bring your own sled especially if your fond of it

With that out of the way a cat is simple to repair...the A-arms are designed to shear off without damaging the mount locations....unless you hit it super hard....which I don't think you did at all...bolt another one on...and I have a cat with a bent tunnel that we just adjusted the steering and whatnot to track straight...been riding it for 10 years that way....doesn't hurt a thing unless the track is rubbing...but its super easy to bolt on a new tunnel....cats are the easiest of all brands to work on IMO....good luck...I know a place that will fix that right up...FYI...the shops out west fix that kinda damage for about 3 times less than here...they are used to it....I would take that out there....drop off at shop that someone on here recommends and rent one while you wait for your sled to get finished....free trip again sorta...lol

High mark rentals in Yellowstone can repair it plus you can ride outside the park while you wait

Screenshot_20210130-183702_Google.jpg

Screenshot_20210130-183938_Chrome.jpg
 

tjmaxx

Member
I would file a claim. I just totaled a sled a month ago. Total process took about 2 weeks. I already bought my new sled and have ridden. If the tunnel is damaged it will be totaled likely
 

ezra

Well-known member
Or fix it keep running it hard and file when you really f it up.
Unless you really want a new sled now that is
 

whitedust

Well-known member
Take your sled to a reliable dealer that has the new sled you want. If dealer totals out the sled he’ll cut you a deal on the new one. We don’t know how bad the damage can be in an accident like that. I actually had full replacement cost insurance and didn’t know it so took the big check on a high milage sled sold the sled to dealer for $1k and bought a new sled for $4K. No my insurance didn’t go up. If you’re going to powder ride damage is a constant occurrence just the nature of the beast.
 

wiviperman

Active member
My wife and I bought a 2020 Skidoo Grand Touring Limited 900 ACE last year and she crashed it 1 month after we bought it. We have State Farm Insurance and the entire process went very smoothly. We were both riding at the time of the accident and we hit a tree also. Ours looked like nothing at first as the sled tipped on its side and struck the ski's on the tree. Ended up snapping the bulk head, yet we were able to ride back to the truck.
I thought for sure the sled would probably be totaled, had $6800 damage with labor, but they fixed it. All we did was make the claim and took it to our local dealer and everything was handled with them. We only had to pay our $250 deductible. The repairs took a long time due to COVID hitting right after we dropped it off, but obviously no-one could do anything about that!
We have everything insured with State Farm and our rates did not go up from the claim. Best experience I have had with an insurance company. We are very happy with State Farm Insurance!!!
 
Last edited:

tomcat

Member
thought I'd give a quick follow up. I haven't submitted the claim on the sled yet but plan to. Been out of town a bunch and haven't had time to deal with it. The closest Arctic Cat dealer to me was over 2 hours away and told me that they'd have trouble getting parts as lots of cat parts are on back order. Decided I didn't want it down for the rest of the winter so tore it down myself. Not near as bad as I had thought. I replaced the upper a arm. The mounting area was slightly bent but I was able to pull it right back out to get things lined up. Thoroughly inspected the rest of the structural areas and everything looks good. broke a few plastic pieces, heat shrouds, etc so waiting on parts from cat. Compiled a parts list for the insurance estimate and ton's of it is on backorder or unavailable. Cant even get factory decals for the side panels (unavailable)! Im going to live with some of the cosmetic flaws as I'm sure there will be more down the road and fix the things that need to be fixed. Took lots of pics of damage and having a local body shop write up an estimate. Figured I'd collect a check to cover the damage and devaluing of the sled. Thanks for all the input in this thread.
 

sMgE46M

Member
go look at any bulk head on a doo xm... rough trail can bend those things and tweak the ski stances - just ride it. (not sure how cats are)

Bulk heads are replaceable too. Dont think its enough to total a sled...

Only one ive seen totaled ripped a ski completely off, bent bulk and tunnel was shifted 2 inches. Guy launched it into 2 trees horizontally.
 
Top