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Old 06-01-2011, 12:34 PM   #1
NitroHonda
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To put in an insurance claim or not...

After washing up the girl... I noticed that I have some pretty bad fairing damage. The under fairings have completely broken. Along with both sides. It appears that I might have hit a bump or a dip too hard. I am not real sure but they are completely broken. I have never made a claim on my motorcycle insirance before and I was thinking about making one this time around.

1) What are the ramifications of putting in for a claim. How bad do the rates really go up?

2) Can I even make a claim not knowing what exactly hit my bike to cause such damage? What steps do I take?

If two is yes...

3) My motorcycle has been painted solid black. It is no longer OEM colors so no matter what, the fairings would need to be painted. My tank has a few scratches in it from the zipper of my jacket. Would I be allowed get this included in my claim somehow?

FWIW, I am with Geico and am carrying full coverage with $2,000 extra coverage for upgrades on bike.

I guess i am asking you guys for advice before I go to Geico armed with a little extra knowledge. I don't want to make any costly insurance mistakes.
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Old 06-01-2011, 12:38 PM   #2
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Take it to a bike shop to see if your forks are bent or you have anything major wrong with it...You can fix almost anybike as long as the main components are not trashed...if you claim it and they total it out (which isnt hard) try to buy it back from them at a resonable cost and rebuild for street or track...
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Old 06-01-2011, 12:38 PM   #3
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Send us pictures of the bike trashed
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Old 06-01-2011, 12:44 PM   #4
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Quote:
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Send us pictures of the bike trashed
Well... it's not THAT thrashed. It didn't go down or anything. I didn't even feel me hitting anything. Taking photos...
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Old 06-01-2011, 12:57 PM   #5
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Claim it. Its what you pay insurance for.
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Old 06-01-2011, 01:01 PM   #6
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Your insurance can most definitely go up...and not just on your bike, but any other vehicle you have.
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Old 06-01-2011, 01:06 PM   #7
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I wouldn't claim it. No way I would try to claim wear and tear.
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Old 06-01-2011, 01:33 PM   #8
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Quote:
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I wouldn't claim it. No way I would try to claim wear and tear.
It is definitely not wear and tear outside of the tank scratches. The plastics are broken pretty good.
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Old 06-01-2011, 01:38 PM   #9
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Claim it. Its what you pay insurance for.
Yes it is but it also comes with a heavy price. I have to weight that on my decision.

Insurance agencies are the biggest scam mongers out there these days. They scare me with how they hide behind the fine print.
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Old 06-01-2011, 01:49 PM   #10
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What is your deductible?
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Old 06-01-2011, 01:52 PM   #11
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if it is just plastic, I would not. like was said earlier, your premium can go up on everything you own and if they truly feel like being dicks, they could choose not to cover you anymore.
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Old 06-01-2011, 02:04 PM   #12
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You can buy ebay plastics a whole set for 500-600 bucks
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Old 06-01-2011, 02:34 PM   #13
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Quote:
Originally Posted by NitroHonda View Post
Yes it is but it also comes with a heavy price. I have to weight that on my decision.

Insurance agencies are the biggest scam mongers out there these days. They scare me with how they hide behind the fine print.
I wonder why they hide behind fine print. Could it be to curb BS claims?
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Old 06-01-2011, 04:38 PM   #14
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Quote:
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I wonder why they hide behind fine print. Could it be to curb BS claims?
Are you accusing me of something? Sure seems like it. Relax. I don't play that. No insurance fraud going on here. I'm a straight-shooter. All I'm doing is asking questions and becoming better informed about my options is all. I am not familiar with making a claim. Especially regarding motorcycles.

Brandon: My deductible is $250.

Witchdoctor: I have been with Geico for several years. I am pretty sure that we are eligible for an accident forgiveness but I will verify that first of course. I wonder how forgiving they really are...
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Old 06-01-2011, 04:42 PM   #15
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Post pics of your bike
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Old 06-01-2011, 04:44 PM   #16
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Cracked plastics aren't worthy of a claim. Just get a set off ebay if the fairing is really up. If the fairing is just cracked (i.e. no holes or missing bits) a bit of plastic weld should fix you right up.
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Old 06-01-2011, 05:29 PM   #17
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Quote:
Originally Posted by NitroHonda View Post
Are you accusing me of something? Sure seems like it. Relax. I don't play that. No insurance fraud going on here. I'm a straight-shooter. All I'm doing is asking questions and becoming better informed about my options is all. I am not familiar with making a claim. Especially regarding motorcycles.

Brandon: My deductible is $250.

Witchdoctor: I have been with Geico for several years. I am pretty sure that we are eligible for an accident forgiveness but I will verify that first of course. I wonder how forgiving they really are...
No accusations from me. Im just saying you should save the claims.
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Old 06-01-2011, 06:57 PM   #18
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If you had to look that hard to find the issues.... brace/plastic weld the back and leave it alone.

Or sell them to someone who stunts or has a track bike and put the money towards new plastics.
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Old 06-01-2011, 11:59 PM   #19
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Where my finger is pointing is where the fairing completely broke off from the bike. Essentially, there is nothing bolting the fairing on now.

To put in an insurance claim or not...
To put in an insurance claim or not...
To put in an insurance claim or not...
To put in an insurance claim or not...
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Old 06-02-2011, 12:18 AM   #20
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if thats it...I would def not CLAIM it..Id be looking for repalcement parts in ebay or on the forums...and if I couldnt find anything id buy chinese plastics
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