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Old 05-30-2014, 07:10 AM   #1
Peter R
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Question newbie...got rearended at redlight, need advice with insurance issues

anyone with solid adive for me is greatly appreciated! I got rearended at a flashing red light by someone that admitted to looking down to plug cell phone into charger. Nice person, same insurance Co. , I didn't get hurt barely, but bike is another story... '06 GSXR 600 just did a $1200 tune up/ over evrything. needs new back tire, rim, tail, rear subframe, plus cosmetics. Stubbs 59 did estimate for $12,000 .... got a rental car so I can get to work, but want advice on bike being toatalled, insurance Co dragging feet, getting bike fixed, Stubbs dragging feet, I just want to ride and have my sanity back....tried to be nice guy and not go crazy with lawers etc., but feeling not being taken care of. My first bike and I ain't going down that easy
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Old 05-30-2014, 07:12 AM   #2
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What date was your accident? What's the insurance co telling you? I assume you have full coverage.
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Old 05-30-2014, 07:21 AM   #3
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4/25/14 was date of accident... I only had liability, but we both carry State farm and the guy openly admitted he was not looking, plugging phone in, so his policy is covering...lesson # 1, carry better policy... Only paid $4,700 cash for bike about 3 years ago and started seriously riding about 2 years ago... invested another $2,000 in mechanical work, gear etc. plus started using it for transportation to work

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Old 05-30-2014, 07:29 AM   #4
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Did you make sure to grab your neck in pain?? Lol
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Old 05-30-2014, 07:32 AM   #5
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$12,000 to fix a $5,000, (at best), bike!?!?!? Not gonna' happen. If the bike is totaled, the payout would only be around the blue book value.
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Old 05-30-2014, 07:50 AM   #6
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so I am gonna get about $2,000 to look for new bike with, just dropped $1,200 on lots of mechanical fixes to put back in great running order....so frustrated , didn't want to scam injuries etc. and feel like I am screwed outa my bike in the process....plus when rental car goes back I'm screwed to get to and from good job......ggrrrrr
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Old 05-30-2014, 07:55 AM   #7
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What's NADA on your bike? That's what you should be asking for
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Old 05-30-2014, 08:04 AM   #8
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What is that? lol seriously...new to all this
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Old 05-30-2014, 08:06 AM   #9
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If it's a clean title bike then NADA on your bike PLUS tax, title and registration fees.
Add in roughly 25-50% of any mods/accessories.
If any of your gear was damaged that's covered as well.
Make sure the insurance company agrees to pay Stubbs bill.
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Old 05-30-2014, 08:06 AM   #10
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What is that? lol seriously...new to all this
www.nada.com

Pull up your bikes value.
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Old 05-30-2014, 08:15 AM   #11
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NADA says avg retail is $7305

There are few 06 gsxr6 on craigslist, about $4-5k

So you should be getting in that range

Unless your bike had a million miles
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Old 05-30-2014, 08:16 AM   #12
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got it...that was awesome advice...looking way better than I thought it may be.....thank you
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Old 05-30-2014, 08:19 AM   #13
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only 17,000 miles...new chain and sprockets, front and back brake systems, both new tires, 7,500 mile tune up etc.....just got it all done 2 weeks before wreck
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Old 05-30-2014, 08:58 AM   #14
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Add up the cost of everything. Bike, Gear, any add-ons that you have receipts for, (If your phone screen cracked from the fall, put the cost to fix/replace it) etc. The other driver has the responsibility to make it "as it was before the accident", since his negligence was the cause.

Also, if you have any pain at all, go see a doctor. If anything shows up later, this is your only chance to have the ins. cover it. Sometimes the medical issues don't show up right away. It is not a scam, it is protecting yourself.

P.S. – Get better insurance that includes uninsured motorist. Especially in Houston. Your insurance is there to protect you, why have insurance that only protects the other person?

Last edited by Flynjay; 05-30-2014 at 09:00 AM.
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Old 05-30-2014, 09:03 AM   #15
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Quote:
Originally Posted by Peter R View Post
4/25/14 was date of accident... I only had liability, but we both carry State farm and the guy openly admitted he was not looking, plugging phone in, so his policy is covering...lesson # 1, carry better policy... Only paid $4,700 cash for bike about 3 years ago and started seriously riding about 2 years ago... invested another $2,000 in mechanical work, gear etc. plus started using it for transportation to work
That may be what he told YOU but what he tells the ins company will be a whole different story

document everything
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Old 05-30-2014, 09:10 AM   #16
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I have never used NADA, with kbb in the past I inputed mileage and title status etc. Not seeing those options on the NADA site, not matter for bikes?

Will the insurance company still pay out that price even though my bike has 40k miles and a salvage title?


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Old 05-30-2014, 11:55 AM   #17
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Quote:
Originally Posted by Flynjay View Post
Add up the cost of everything. Bike, Gear, any add-ons that you have receipts for, (If your phone screen cracked from the fall, put the cost to fix/replace it) etc. The other driver has the responsibility to make it "as it was before the accident", since his negligence was the cause.

Also, if you have any pain at all, go see a doctor. If anything shows up later, this is your only chance to have the ins. cover it. Sometimes the medical issues don't show up right away. It is not a scam, it is protecting yourself.

P.S. Get better insurance that includes uninsured motorist. Especially in Houston. Your insurance is there to protect you, why have insurance that only protects the other person?
^This.

The insurance company has to "make you whole". You're not entitled to anything more than what you had before the accident, but you should not accept anything less either.
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Old 05-30-2014, 06:41 PM   #18
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Have had my insurance "locate" another bike similar to my wrecked one and offer to replace my wrecked one with it once.
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Old 05-30-2014, 07:22 PM   #19
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Quote:
Originally Posted by Coolhandsluke View Post
I have never used NADA, with kbb in the past I inputed mileage and title status etc. Not seeing those options on the NADA site, not matter for bikes?

Will the insurance company still pay out that price even though my bike has 40k miles and a salvage title?


TDW0jrx

No, they won't.
Also, KBB is not consistent with their values and are usually in the high side.
Banks and insurance cos. typically rely on NADA.

Some adjusters try to save the company money and make a name for themselves and may try to lowball you by going with AMV - Adjusted Market Value.
They'll pull up 2-3 bikes that people are desperate to sell or not in the best condition and then try to get you to accept the lower value.

You do NOT have to accept their offer. Provide 3-4 examples of your own for sale in the area that are priced at or above NADA to counter.
If the adjuster gets horsey, ask to speak to a supervisor.

NEVER mention using an attorney. The minute you do the adjuster will turn it over to the litigation dept. and it will take forever to settle the claim.
As previously mentioned the insurance needs to make you "whole". In other words no worse, but also no better, than before the accident.

I also HIGHLY recommend getting UIM/Uninsured Motorists. It will pay if someone hits you without insurance, or even in the case of a hit and run.

I deal with a lot of insurance work, and have learned the ins and outs pretty well so I can do the best to advise and protect my customer.
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MAKE SURE TO MENTION YOU'RE ON MH TO GET THE BEST PRICE!

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Old 05-30-2014, 08:55 PM   #20
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Quote:
Originally Posted by Patrick View Post
No, they won't.
Also, KBB is not consistent with their values and are usually in the high side.
Banks and insurance cos. typically rely on NADA.

Some adjusters try to save the company money and make a name for themselves and may try to lowball you by going with AMV - Adjusted Market Value.
They'll pull up 2-3 bikes that people are desperate to sell or not in the best condition and then try to get you to accept the lower value.

You do NOT have to accept their offer. Provide 3-4 examples of your own for sale in the area that are priced at or above NADA to counter.
If the adjuster gets horsey, ask to speak to a supervisor.

NEVER mention using an attorney. The minute you do the adjuster will turn it over to the litigation dept. and it will take forever to settle the claim.
As previously mentioned the insurance needs to make you "whole". In other words no worse, but also no better, than before the accident.

I also HIGHLY recommend getting UIM/Uninsured Motorists. It will pay if someone hits you without insurance, or even in the case of a hit and run.

I deal with a lot of insurance work, and have learned the ins and outs pretty well so I can do the best to advise and protect my customer.
Thanks for the in depth response.
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