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Old 07-08-2009, 08:20 AM   #1
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Question Filing a claim

So I finally got the bike transported (Thanx again Tony! ). Now I'm trying to calculate how much it will cost me just to get her back on the street vs getting her in the shape I want. I've now reached the very real conclusion that this is going to cost a lot more than I want/need to spend with my son about to be born any day now. This has brought about the question "Why not just file a claim and let the insurance cover or total the bike"(I'm pretty sure they would total it). I mean, after all, that is why I pay for insurance.....right?

What I'm really looking for is input from those who have filed a claim or know how it works.
-What are the lasting effects of said claim?
-Does it go on your record for 3 years the same as a car wreck, in turn raising your insurance premiums for your cars as well? Or just your motorcycle premiums go up?
-Does having an accident where nobody else was involved make any difference other than your bike is the only thing totaled?
-Will it make a difference if the ins. co thinks some random driver was at fault and kept on going?
-What else should I know/do before filing a claim?

Thanx,
Daniel
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Old 07-08-2009, 02:38 PM   #2
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Nobody??
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Old 07-08-2009, 02:48 PM   #3
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Well if it's any consolation we are wondering the same thing.
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Old 07-08-2009, 02:56 PM   #4
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I was all happy thinking someone was finally ready to speak up....guess I have someone to wait with now
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Old 07-08-2009, 03:16 PM   #5
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not sure of all the implications but I just filed a claim on my bike after I totalled it. one thing is for sure don't take their first offer. they initially wanted to give me 5300 bucks for the bike. I did my home work and sent them examples of comperable bikes. now I'm getting over 7k for it.
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Old 07-08-2009, 03:22 PM   #6
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nice...is $7k the book value or what was that based on?
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Old 07-08-2009, 03:30 PM   #7
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Quote:
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not sure of all the implications but I just filed a claim on my bike after I totalled it. one thing is for sure don't take their first offer. they initially wanted to give me 5300 bucks for the bike. I did my home work and sent them examples of comperable bikes. now I'm getting over 7k for it.
+1

Same story with me. Lowsided mine a month ago. They called and told me NADA listed my bike as $5100. I said, thats funny because I just looked at NADA and it said my bike was $6150. The agent was like "uh, let me check.... yes you're right" Lesson here is DONT TAKE THE FIRST OFFER, it is negotiable.

As to your questions, yes it will go on your record (not sure how long), but mine says one party incident, no injuries... they said my rates would go up just a few bucks a month.

IMO if the damage is more than you want to pay for out of pocket, claim it. Thats why you pay...

Hope that helps.
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Old 07-08-2009, 03:35 PM   #8
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that does help...so they tried to give you trade-in value vs the retail?

I think I'll end up filing a claim and just taking the incident on my record like a big boy
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Old 07-08-2009, 03:37 PM   #9
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that does help...so they tried to give you trade-in value vs the retail?
idk if that was the trade in value or not, basically insurance companies are business and they're trying to make a buck like everyone else. just remind them that they work for you. you are paying them for a service to you, so you shouldnt be getting screwed.

if they total your bike though, you'll have to buy it back and they'll just send you a check for the difference and possibly a salvage title.
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...Just think how good all women could of been if would have taken a few days to make them.
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Old 07-08-2009, 03:38 PM   #10
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I was wondering about that....how do they determine how much to sell it back to me for? I don't have to buy it back tho right?
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Old 07-08-2009, 03:39 PM   #11
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Didnt read the top. If you tell them another car was at fault they may let you file under uninsured motorist. MAY! That would be best. It wouldnt raise your prem. Its a long shot, but worth finding out. Either way, I dont pay them so I can fix it myself. You crazy if you have f/c so you can pay to fix.
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Old 07-08-2009, 03:41 PM   #12
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SF will total if repairs = 70% of value.
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Old 07-08-2009, 03:43 PM   #13
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I was wondering about that....how do they determine how much to sell it back to me for? I don't have to buy it back tho right?
no you dont have to buy it back. i bought mine back, because im throwing track plastics on it and making it a dedicated track bike. i dont know exactly how they calculate the buy-back price, but i negotiated that price down lower as well!

First I argued that the bike was worth more than they thought (without telling them I wanted to buy it back) so i got the most there... Then once that was done, I was like ok well I think I want to buy it back.. Then I argued that price down to $1300 based on their damage estimate!

just decide how much you think the bike is worth, as is, then knock a few hundred $$ off and that should be your buy back my 2 cents
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Old 07-08-2009, 03:52 PM   #14
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so the damage has to be 70%....I was guessing it's about 50% but I have Dairyland

Do I have to have a police report to file a claim under the uninsured motorist clause?
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Old 07-08-2009, 03:56 PM   #15
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They are azzholes. My first bike was with them. They wanted to give me thousands less then msrp when the bike was only 3 mo. old. I lawyered up and they paid. DL. SF is your friend. They may not use the 70% figure. I dont know about the report. Either way make them pay. Check SF on your next bike though.
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Old 07-08-2009, 04:00 PM   #16
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so the damage has to be 70%....I was guessing it's about 50% but I have Dairyland

Do I have to have a police report to file a claim under the uninsured motorist clause?
not familiar with Dairyland.. if the frame is scratched in any way, sub frame twisted, swing arm scratched.. it'll probably total. i dont think you have to have a police report, i didnt. you will probably have to take it to a shop to get an estimate. find the most expensive place.

+1 on SF
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Old 07-08-2009, 04:08 PM   #17
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great...so the reason they are cheap is b/c they don't take care of you when you need it?

Guess it won't hurt to find out if I need a police report and if I do then I'll just say n/m it was a one man rodeo.
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Old 07-08-2009, 04:09 PM   #18
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Not all will total on a scratch on the frame. Thats mostly a rumor.
+1 on the most expensive place. If you going to make a claim, you can the it towed too. That will increase the amount of the claim a bit more to work in your favor. I am not againt greasing the palm of the guy making the estimate. (Disclaimer) I would only do this when Im also in a hurry to get my total. I was with the last bike.
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Old 07-08-2009, 04:11 PM   #19
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Just tell them what happened. They are do what do what they are gonna do. Your worring too much about your rate. Fug em.
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Old 07-08-2009, 04:17 PM   #20
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I just emailed my "contact" w/dairyland to see if she can help get the ball rolling
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