Motorcycle & Powersports Damage Claims
Motorcycles, ATVs, UTVs, and powersports vehicles deserve the same level of professional appraisal as any automobile. Insurance companies routinely undervalue these specialty vehicles — and riders often don't realize they can challenge the offer.
Whether your motorcycle was totaled, your side-by-side was damaged on the trail, or you need a diminished value appraisal after a collision, our licensed appraisers have the expertise to handle it.
Powersports claims have strict deadlines. Don't let the statute of limitations expire. Call 1-888-967-6488 for a free evaluation today.
Powersports Claim Services
From Harley-Davidsons to Polaris RZRs, our appraisers understand the unique valuation factors that affect motorcycles and powersports vehicles.
Total Loss Valuations
When your motorcycle or ATV is declared a total loss, insurance companies often rely on generic databases that miss critical value factors — custom parts, low mileage, limited editions, and aftermarket upgrades. Our appraisers research actual market data to determine the true replacement cost.
Diminished Value
A motorcycle with an accident history sells for significantly less than a clean-title equivalent — even after flawless repairs. Riders and collectors know this, and so do dealers. We prepare certified diminished value reports that document the exact loss in market value.
Repair Disputes
Powersports repairs require specialized knowledge and OEM parts. Insurance adjusters may push for aftermarket components or underestimate labor hours. Our independent appraisals document proper repair costs and ensure your vehicle is restored to its pre-loss condition.
Appraisal Clause Disputes
Most motorcycle and powersports insurance policies include an appraisal clause. When you disagree with the insurer's valuation, you can invoke this clause and appoint an independent appraiser. We serve as your appraiser to establish the actual cash value of your vehicle.
Vehicles We Appraise
Our appraisers have hands-on experience with every category of motorcycle and powersports vehicle on the market.
Why Powersports Claims Are Different
Motorcycles and powersports vehicles present unique valuation challenges that standard auto appraisers often miss.
Aftermarket & Custom Parts
Riders invest thousands in exhaust systems, suspension upgrades, handlebars, seats, and performance modifications. Insurance companies often ignore these when calculating total loss value. Our appraisers document and value every modification.
Seasonal Market Fluctuations
Motorcycle and powersports values fluctuate significantly by season and region. A motorcycle totaled in January may be worth considerably more when spring demand peaks. We account for real-time market conditions in every appraisal.
Limited Production & Collector Value
Many motorcycles — especially Harley-Davidson special editions, vintage Japanese bikes, and European sport bikes — carry collector premiums that standard valuation tools completely miss. Our appraisers understand the enthusiast market.
Specialized Repair Knowledge
Powersports repairs require factory-trained technicians and OEM parts. Frame straightening, engine rebuilds, and suspension work on motorcycles are fundamentally different from automobile repairs. Our reports reflect the true cost of proper restoration.
Higher Diminished Value Impact
The motorcycle market is especially sensitive to accident history. Buyers scrutinize VIN reports carefully, and even minor damage history can reduce resale value by 20-40%. Our diminished value reports capture this reality with comparable sales data.
Frequently Asked Questions
Can I dispute my motorcycle's total loss value?
Yes. If the insurance company's offer seems too low, you have the right to challenge it. Most motorcycle policies include an appraisal clause that allows you to hire an independent appraiser. We serve as the independent appraiser to determine the actual cash value of your motorcycle.
Do aftermarket parts affect my claim value?
Absolutely. Aftermarket exhaust systems, suspension upgrades, custom paint, performance tuning, and accessories all add value to your motorcycle. Insurance companies often ignore these modifications. Our appraisers document and value every upgrade to ensure you receive fair compensation.
Does my ATV or UTV have a diminished value claim?
If your ATV, UTV, or side-by-side was damaged in an accident caused by someone else, you may be entitled to diminished value compensation. Even after repairs, a powersports vehicle with a damage history is worth less on the open market. This loss is recoverable in most states.
What types of powersports vehicles do you appraise?
We appraise all types: motorcycles (cruisers, sport bikes, touring, dirt bikes, ADV), ATVs, UTVs/side-by-sides, snowmobiles, scooters, trikes, electric motorcycles, vintage/classic bikes, and specialty vehicles like golf carts and go-karts.
How much does a motorcycle appraisal cost?
We offer a free initial claim evaluation. Our appraisal fees vary depending on the type of vehicle and complexity of the claim. Contact us for a quote — there's no obligation to proceed.