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Old 09-26-2009, 09:33 PM   #21
Vividkid
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Dont claim it unless it's truley wrecked.
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Old 11-03-2009, 11:47 AM   #22
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well, now I noticed that my right peg is broken in half, the rubber on top is holding the thing peices together.

I am seriously considering making a claim but am still "on the fence". To bring the bike "back to new" condition (it was pretty much flawless) I am looking at around $1k just for parts.

I am also considering resale value and depreciated value.

What if I wrek it again (say a front collision with a left turning minivan) and make a claim. Wouldn't the adjuster say that the damage on the right side was already there and not cover that damage?
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Old 11-03-2009, 11:49 AM   #23
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I would call them up and ask if you did file a claim would it change your rate higher? sometimes they have accident forgiveness if you havent filed a claim in a year and your rates wont go up. it's worth asking and then you'll know.
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Old 11-03-2009, 11:51 AM   #24
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Quote:
Originally Posted by urbanXJ View Post
well, now I noticed that my right peg is broken in half, the rubber on top is holding the thing peices together.

I am seriously considering making a claim but am still "on the fence". To bring the bike "back to new" condition (it was pretty much flawless) I am looking at around $1k just for parts.

I am also considering resale value and depreciated value.

What if I wrek it again (say a front collision with a left turning minivan) and make a claim. Wouldn't the adjuster say that the damage on the right side was already there and not cover that damage?


No adjusters are stupid all they look for is damage. if you hit a mini van in the front then the bike could have fallen or flipped and theres no way for him to prove it didnt "unless its stuck inside the mini van and then it's gonna be totaled anyway :P"
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Old 11-03-2009, 11:56 AM   #25
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Speaking of insurance rates, apparently my car insurance (Farmer's) rates were raised when I hit a semi-truck re-tread and totaled my 09 Speed Triple (insured through State Farm). Now hitting the tire wasn't necessarily my fault, but I didn't have my M endorsement at the time. Is this cause for justification to raise my rates or does that fall under the grey or illegal category?
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Old 11-03-2009, 01:37 PM   #26
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How can you operating a vehicle that strikes an object (in this case, a tire retread) not be your fault?
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Old 11-03-2009, 01:58 PM   #27
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How can you operating a vehicle that strikes an object (in this case, a tire retread) not be your fault?
Because it flew off a semi trailer on I45 going 70mph and tried to make out with my front tire?

I just didn't know if me not having my M endorsement at the time lays all the blame on me, hence the spike in insurance premiums.
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Old 11-03-2009, 03:13 PM   #28
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Unlikely the lack of Motorcycle Endorcement would cause the rate increase. If the insurance company had a requirment for the insured to maintain a M endorsement they would have denied the claim and/or dropped you for non-compliance.

The reality is that while I'm sure you did everything you could to avoid hitting the tread thrown by the trailer it is most likely that the insurance adjustor's stance is that you were at fault for not maintaining a safe distance from the vehicle in front of you.
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Old 11-03-2009, 03:39 PM   #29
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The reality is that while I'm sure you did everything you could to avoid hitting the tread thrown by the trailer it is most likely that the insurance adjustor's stance is that you were at fault for not maintaining a safe distance from the vehicle in front of you.
Exactly what he said, If you are behind something it's your fault because you could have been much farther behind and been ok.
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