T84A
Well-Known Member
I'm still confused as to why the two cars were going in the opposite direction. Is there some other road where traffic goes the other way where these guys should have been?
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I'm still confused as to why the two cars were going in the opposite direction. Is there some other road where traffic goes the other way where these guys should have been?
Well, in this case, I think I would buy it back and part it out.
I spoke with my agent who will work on my behalf. He says it is better to leave all the mods on and let them inspect and offer a claim number. If it is totaled, my coverage pays 100% retail cost for all mods up to $6k. This would be added to the ACV of the bike. Then, I would list the aftermarket parts I want to keep and ask them to sell them back to me at salvage cost which my agent says will be a much-reduced cost, thus I get to keep the good parts at a low cost AND the remaining money of their retail cost. I told him that I felt this was wrong in some way but he assured me that this is the best way to reclaim mods that are salvageable without losing money on the deal. For anyone else in this unfortunate situation, keep this in mind! It's 100% acceptable to wheel & deal with the adjuster!
Of course, this is ONLY if they total the bike and the only way that would likely happen is if they include the frame. Personally, I think the bike is fixable and safe to ride afterward but this isn't my decision. If this works out, I've found quite a few 2013 Cobalt Blue hold-overs that have zero miles for under $9k. I'll either end up with a fully repaired 2009 FZ1 which I absolutely love, or a 2013 zero mile bike with a bunch of mods ready to install. Some of the cosmetic stuff will never be put back on a new bike though. While the bike looks amazing with that stuff, it's a hassle to deal with when doing routine maintenance. The suspension and performance stuff will absolutely make the move!
What I have learned from this is treat them like a deer... If you hit them it is their fault and insurance will believe you... if you dump your bike trying to avoid them now it is your accident.... I am glad you are ok and bikes are replaceable.
Damn, sorry Eric!
I had the same type of insurance (except only $3,000) for accessories, which I met with no problem on that silver ZZR. Fortunately, I had a GREAT adjuster show up who went to look at my coat, helmet, etc laying on my pickup tailgate 10' away and said "my back will be turned for 30 minutes, get off whatever you can". LOL, the wrenches were FLYING trust me. So, I was paid $3400 for the totaled bike, and the $3000.00 for accessories, plus removed all the aftermarket stuff I had just installed the few weeks prior to my wreck (other than the brand new PR4's obviously) He also let me keep my helmet, jacket, and gloves because they were covered in deer shit and didn't want them in his car.
Well, thats good......at least your getting somewhere. I was pleasantly surprised when the adjuster printed out my two checks in his vehicle 5 minutes after looking at the bike (Progressive). He had a laptop connected to a printer in his back seat!
I have progressive and they didn't print anything. They did with my wife's claim, but not this one.