[wcc]

This guy HAS insurance.... Pay the deductible so he is debt free or gets a new sled. Then IF the insurance company drops him he'll just have to find new insurance. You are NOT responsible for his past claims!

I have insurance on all my cars, bikes, etc. If anyone drove any of them and totaled it they would pay the deductible and my insurance would cover it. I would NOT expect them to write me a check or go out and replace it in kind.

For example, if someone was driving my 930 and totaled it, they pay the ded. But if I had a lots of claims last year and I don't want to be dropped by the insurance company so you need to come up with 40grand? This makes NO SENSE!

Another example, what if you were driving your friends car down the road and went off the road to miss a deer and hit a tree. Are you responsible for buying him a new car? No!

And another example, what about if you plugged in a new store bought lamp that he bought at his house and the lamp exploded and the house burned down. Are you responsible for buying/building him a new house? No.

THIS IS WHAT INSURANCE IS FOR!

I understand you "pay as you play" thing and I totally agree! But when something IS insured you pay the ded. or repair it which ever is cheaper and/or makes it right.

I busted my friends, not insured, rototiller by accident. I paid to repair it.
I wiped out on my neighbors, not insured, pocket rocket. I paid to repair it.
I ran in the back of my brothers, insured, truck with his, insured, quad! I paid the ded. in both cases.
My brother wiped out on my, not insured, dirt bike. He paid to fix it.

I just don't understand the debate here. I feel bad for your friend but this is how the real world is. It sounds like he needs a different insurance company anyway.

But, if you totally destroyed something that was NOT insured. Then you have to make it right. Pay him off on a agreed value, replace it, etc.

Good Luck!!!