Re: Polaris West?
I want to preface this with a qualifier - I am an insurance guy (health, not P&C, but all insurance is fundamentally the same). You might want to go easy on the Polaris dealership. It sounds like they spent more time than they should have on your bike, possibly because they were trying to do a really good job to help you out. However I use the word should because the insurance company has statistics guys like me who would have a database of actual repairs to insured motorcycles, that, when aggregated into total claims experience, were used to set your insurance rate. They then have applied-knowledge experts (like a motorcycle mechanic) working as claims adjusters as a cross check on what the number monkeys like me estimate. The claims adjusters generally can't pay outside of their historical range for two reasons - paying based on experience deters abuse, i.e. it can help reduce a tendancy to overcharge for services, and it also prevents your (and everyone elses) rates from getting unaffordable. All that said, you might want to give the Polaris dealership the benefit of the doubt. They may have incurred legitimate costs that were outside traditional historic ranges of how long this job should have taken, maybe because they were really trying to take care of your bike (compared to the minimalist inspection the insurance company might have idealistically envisioned). The insurance company here is more than likely the "bad guy" so to speak, but the question still remains - how do you and the dealership settle up for the bill the insurance company stuck you with? Should you reasonably expect the dealership to write off the excess time and effort as a lost? Should they have done a better job managing their time? To be fair to all parties, maybe you should offer to split the difference with them? They did take longer than it historically takes to do the job, the question is why. Was it for your benefit?