When my SCOOTER not motorcycle fell over while parked on the side of the road, the wind came along blew it over and it cracked the plastics. Well to my SCHOCK American Family Ins. considers the Plastics as being FARING and is not covered under the standard policy.!! I said I don't have an added handle bar Farings, crash bars, etc.. the little trunk on the back got somewhat cracked, but I guess thats an "add-on". I said the plastics are where you put your Feet, and where you Sit and the Scooter come from the Factory that way as a whole stock bike!! Again American Family Ins. said "Its FARING its not covered" !! you'll have to get extra coverage for that ... Check with your insuance company to make sure Standards Plastics are covered!! This could apply to fiber glass bodies on 2 and 3 wheeled Evs . Or maybe even Kit Cars where the Non stardard passenger sitting or covers are involved .
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