So the saga of the stolen Ducati’s continues. This morning, State Farm just made their insurance offer to us. Their offer includes the sales tax and license fees that we paid, but they claim that they’re not responsible for freight and dealer setup. Together with covers, locks, and stands that were stolen with the bikes their offer would put us in the hole about $1,500 per bike, which of course makes replacement a bit harder then we think it ought to be.

Now, personally I have no idea if this is normal or not, but once again I feel like this whole ordeal is a complete pain in the ass. What’s the point of having insurance if you have to constantly argue with your agent and the claims adjuster over what your prized posession is worth? And seriously how misleading are all those advirtisements on television that claim that these insurance companies have you covered in case the worst imaginable posibility occurs? Isn’t the point of insurance coverage to cover the price of your possession, whatever it might be, minus the deductable so as to make you whole again?

At this point any hope of resolving this quickly is fading away and I’m resigning myself to the fact that a replacement Ducati is not a week away, but perhaps a month or possibly longer… And that really tweaks me the wrong way.