I just suffered from SDF...on the phone. It started with a call to USAA about my Ural. After some quick verification that all was OK with my policy, the person on the phone gets a bit chatty. No big deal, USAA reps are typically very friendly, so I don't think much of it. Then he asks "I see the motorcycle is a Ural Gear-Up. Do you mind me asking exactly what that is?" A few minutes of conversation transpired, and next thing I know he's googling to pull up the Ural website.
Sounds like I may have just recruited Soviet Steeds next member.