Total Lost Insurance, is actually better suited for motorcycles with a price range of $3,500 down. Because in addition to the cost of the premium is not too draining your pocket, the motor at a price below $3,500 if major damage to the cost of repairs and spare parts prices are not too expensive. So that seemed useless when using the system of All Risk insurance.
All Risk insurance policy is generally used by users of large motors or motors that have an expensive price of spare parts (including engine modifications) as if the calculated cost of claims and insurance premiums are less expensive than if you had to buy their own spare parts are damaged. Especially with the All Risk insurance policy directly you also get insurance cover Total Lost.

Starting from a long-winded process that takes a long time until rejection of claims with no apparent reason. For that we should have to choose insurance agency credible enough so that when a disaster happens we can easily make a claim to get a replacement easily.
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