Notice how the EMP Bumper took the brunt of the hit then the tree snuck around it and hit the A-arm. It's still tweaked a bit but overall strong bumper.

 

Wow, that looks like it hurt. Good to hear your past it now

 

Here is another shot of the damage. Had to walk home and get the chainsaw to get free of the tree. Hooked the winch line to the A-arm and hub to get home.

 

Had to walk home and get the chainsaw to get free of the tree.....

looks like a cherry tree. did ya at least have some good smellin fire wood?

 

That sucks! BIG time! I know the feeling. I rolled my rzr within the first few rides of owning it. I fractured an A-arm that broke weeks later while riding.

So you had to replace the frame!!! Man you must have hit hard! ... well I suppose the frame isn't thats strong to begin with.

If you don't mind me asking did you do the work yourself or did you take it to the dealer?

 

Yah, I hit it pretty good. Hard enough to push the tree partly over.

 

ooops

 

I took it to my local dealer and they replaced the frame under insurance.

 

WOW! :hurt1: I'm glad everything is okay now.

 

Holy chit Batman! :shtf1: I'm still trying to figure out how you did that!:think:

The terrain looks identical to what we ride down here. Interesting use of the winch though--not sure I would have thought of that!:notworthy:

 

Damn Terry, When we go riding your leading the way. I don't think the Pitbulls and beadlocks would have helped that.

 

That's what happens when U remove the front swaybars without updating the shocks or springs. Speed was about 20 give or take.

 

man you must of been going fast to do that!!!! real fast

 

ouch! makes me wanna get insurance on mine

 

I cant believe you and some other people dont have insurance. Its very easy for something bad to go wrong on these machines. Full coverage is very cheap.

 

i had insurance, it also was over 600 per year....so ...i canceled it.....i think i can weld. bend or hammer things back in place. .....hope..hope

 

I have a lot of policies with Allstate - cars, motorhome, homeowners, motorcycle, and the off-road policy - so I get hefty multiple-policy discounts.

My off-road policy has two 2007 Grizzly 700s plus the 2010 RZR, and it's $232/year.

Definitely shop around. I had a brochure sitting on my desk for Polaristar insurance, handed to me by the finance person when I bought the RZR a month ago. I was going to call them and get a quote - but looking at these numbers, I just don't see how they could beat it.

From the statement:

Total Premium
Premium for 07 Yamaha Grizzly 700 $66.67
Premium for 07 Yamaha Grizzly 700 $65.37
Premium for 10 Polaris Ranger Rzr $100.59
TOTAL $232.63

Coverage:
Liability for bodily injury: $100,000/person, $300,000/accident including passengers.
Property Damage $100,000.
Medical Payments: $10,000.
Deductible: $500
Optional/Added Equipment: $1,000

Before I got this policy, one of my riding buddies rolled a Kawasaki prairie 360 down a 60-degree slope into a tree. Totaled it. That accident cost us about $4400. The ATV was worth about $3600 (used replacement value at the time), plus $800 for the helicopter to air-lift it out. I salvaged the aftermarket wheels/tires, which fit another ATV ($650 value) and sold some of its parts online for a few more hundred over the last couple of years.

I asked Allstate whether this policy would cover the helicopter service, and they said it would.


I just can't imagine not having the insurance now. $100/year with $500 deductible to insure a RZR that I paid $16,000 for after taxes, mods, etc.


Oh, and I talked briefly with Geico. They wanted a lot more. Call Allstate.

 

I'm paying about 120 a yr for full coverage on the RZR AND liability on 2 Chinese off rd Karts. Shop around.

 

Im paying right at 100 a year as well for the full coverage.......hope i never need it though! lol

 

Road side assistance?:rofl3::rofl3::rofl3:

That could go so many different ways.......:huepfenicon111:

That there's funny!

 

Damn. That says a LOT for the EMP bumper!! It sure held up well, considering the other damage. Too bad you didn't hit the tree square center; probably would have ridden the rest of the day, then home.

 

ouch, that bumper held up nice

 

I would have mounted a piece of the tree to the new bumper as a warning to other trees....

 

$144/year full coverage on bike +3500 accessories with progressive. It used to be cheaper but when I totaled my brute force it went up a bit...

Make fun of roadside assistance all you want. I've had them bring me gas to the nearest road and my buddy rode out there to meet them...

 

it amazes me how many people buy $14,000 machines and dont spend the $150.00 per year for insurance.

 

Thanks guys, you reminded me of the need to follow through with my insurance broker. We're now using Allstate for all of our hard line (homes, cars, etc...) needs.
My wife works for a major insurance company here in the Hartford, CT area, but they no longer cover hard lines.

...the cost should be around $125.00 per year.
This will give you $100,000/300,000 in liability coverage,
$100,000 in property damage coverage,
and a $100 deductible for damage to the ATV itself.

Your umbrella policy will bring the total liability and property damage coverage to $5,000,000. The umbrella will also get an adjustment which will bring it up about $12.00.
You would be insured to ride it anywhere that is legal.

Shop around and please negotiate. Don't put your deductible at such a high level that it doesn't make sense to submit a claim.

That must have been one hard hit... and "Yes" those trees are the worst kind. You know, the ones that you can see and then all of sudden they jump right into you.

 

insurance question: What is the agreement when it comes to children operating a RZR? Your kid hits something. Neighbors car, house. give some scenarios. Anybody. Got me wondering now. That's liability but is there coverage?

 

Can't speak to the "child" part of it but if the person is a "permissible driver" meaning I have given them permission to drive the RZR, it's covered.

Is it different if they're underage? I suspect that if they were under the age recommendation for the vehicle manufacturer, there might be some issues, but I don't know. I don't have kids and don't let other people's kids ride my stuff so I never looked into it.

Is this officially a threadjack yet?

 

I wasn't making fun of road side assistance, I just thought it sounded funny. And you really got them to bring you gas? That's impressive!

But ya'll did get me to thinking--so I called my insurance agent (State Farm). I'm paying $235/year for full coverage with a $500 deductible, including medical. He said it would cover damage if someone else was driving it, even if they were underage. But, he did stress that this would probably vary from company to company. He said it's kind of a gray area, but they would probably cover it.

And, yes, I think this thread is officially :hijacked:

Maybe time for an insurance poll?