Hello strangers

homebrew

New member
Just wanted to stop in to 1. Say hi to my friends, and 2. To ask for some help.

I recently bought a bike the pic below was pre carnage. Anyway I laid it down on monday(cried a little, ok a lot) rather than try and find all of the parts and do the work myself I decided to file a claim with my ins which in itself was a PIA. Anyway I have never been in an accident and the whole claims process is very foreign to me. The claims adjuster is coming to look at it tomorrow and would really like some knowledge on how this whole process works, what and should and shouldn't say, what to ask for. I called the shop that is doing the work and they said it could take up to 4-6 weeks to have it repaired.

Take care and TIA for any advice.

 

Monkey55

New member
Hey Paul.

How's life up there??

The claim's adjuster is just there to asses the damage and not to take your affidavit.

Basically - they show up and say who they are and why they are there. He/she looks at the bike up and down, they squint, then raise eyebrows, and write stuff down on their clipboard. They may even give you a funny look or ask you some obscure question or two.

Just remember not to give them any info because they will try to use it against you for whatever reason. If you have and issues, call you claim's rep as soon as he or she leaves.

I've heard of stories where they didn't asses the damage correctly where it benefited the person and other cases where it hurt the person (in $$).

If it's your insurance, expect them to be nice. If it's the other person's insurance, expect them to be an a-hole.

Either way, they are only there to asses the damages. However, keep in mind that they are a human being too.

E
 

silverslk

New member
I've totaled cars, bikes, you name it. E is right. The guy will just estimate the repairs needed so they can decide if its repairable or totaled. Most insurance companys will total if repair estimate is 60% or more of replacement value. How bad is the bike? Was it brand new? Once you get this going, feel free to call me anytime. I will help you through it. I just helped my mom with her totaled 1997 LHS (she got $2900 + the car).
 

homebrew

New member
its an 03, I looked it up on kelly blue book and it has the retail listed as $5,000. Damaged is

Left fairing
Stator cover
shifter/rear set
Handle bar is bent
Mirror broke off
passenger peg
wind screen

best picture I have of the damage


Any chance they would give me the cash value to fix it? shop said it could take up to six weeks to get it back. Thought about asking them if I could do the work myself, which would save time and money. Will they go off the retail value or what I paid for it? Other than a bruised rib and sore hip Im good, getting used to the weather up here. Jeep was awesome in the 2 snow storms that we have had. WA really sucks at keeping the roads maintained during the snow, but the jeep handles it nicely. Take care

Paul
 

tone

New member
To be honest with you I wouldn't even make a claim on that, it will cost more for your deductible then it would be to grab some parts from someone who has the same one who's parting theirs out. And you can get a new stator cover off eBay for like $50 shipped NIB.
 

homebrew

New member
The adjuster came up with 2200 dollars estimated parts and labor. They are having it moved to the shop today, called the shop the guy sounds pretty cool. Just hoping it doesn't take forever to get it back.
 

tone

New member
Ask the shop to install some frame sliders for you, well worth the $60 and saves the sides of the bike if this were to ever happen again... Just food for thought.
 

homebrew

New member
So I just called the shop to see if they had begun their estimate, guy told me that the ins missed a few small odds and ends like the support bracket for the fairing.

He then said that it looks like the bike has been painted in the past, and that the fairings are after market(fiber glass). So if he were to order the new fairings the colors would be off. He doesn't know what to do so he is going to wait till Tuesday to talk to my ins to see what they want to do. Other than replacing all the plastics I could have them do all the mechanical work and then I could take it to a body shop to have the fairing repaired? The ins estimated almost a 1,000 just for that fairing, I could buy a whole new set of plastics for that much. Any chance the ins will let me do all the repairs myself? They have already mailed me a check. When will this nightmare end.
 

homebrew

New member
Called the insurance back and asked them what the possibility was of me doing the repairs myself. They told me "the shop", "me" didn't matter their responsibility is just to get the bike to pre accident condition. I know I can get it put back together for a lot less than what they quoted. The only thing that they said was if i decided to do the work myself I would be responsible for anything that wasn't included in the initial estimate. which as far as I know right now is oil, filter and a fairing support bracket.
 

uplandhawaii

New member
Hey Paul long time no talk bro! Glad to see you're okay. Sweet bike man, hopefully you'll get it back n as good if not nicer condition.
 
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