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Old 12-11-2014, 10:24 AM   #1
PMitchell08
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Suggestions for shops to give an estimate and perform repairs

If your bike was damaged by an absent minded motorist, where would you send your bike to have the estimate performed for their insurance company, to make sure that you were given a fair valuation of the bike and assessment of the damage?
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Old 12-11-2014, 10:38 AM   #2
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Most of the sponsors here can work up solid insurance evaluations, and perform the work. Depends on where you are. I would recommend Motorcycles Unlimited, but I have heard Tony does great rebuilds, too, as he is also a great painter.
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Old 12-11-2014, 10:38 AM   #3
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Old 12-11-2014, 10:41 AM   #4
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Old 12-11-2014, 10:42 AM   #5
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We deal with insurance regularly.
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Old 12-11-2014, 10:47 AM   #6
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I always get the estimate done at a dealership because they are stupid expensive and then have the work dome somewhere else or fix what I can myself then take it somewhere to finish. Might be able to pocket some cash.
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Old 12-11-2014, 12:08 PM   #7
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I always get the estimate done at a dealership because they are stupid expensive and then have the work dome somewhere else or fix what I can myself then take it somewhere to finish. Might be able to pocket some cash.
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Old 12-11-2014, 12:57 PM   #8
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fraud8
I don't believe it is. If you're getting a legitimate repair estimate (and not one that is intentionally inflated), and if insurance agrees to it, they write you a check for the cost of repair and/or devaluation of the vehicle. I was told specifically by my adjuster that they don't price used parts (except when that's the only way parts are available, like on my 28 year old Yamaha) and I was free to make the repairs however I saw fit. All of the estimates I've had done for damage were done by my insurance company's adjuster though.

The last bike I wrecked on back in June, I paid $3500 for but had it insured for an agreed value of $7500 (replacement cost should the side car have been a total loss and I had to buy new, also as an "antique" I had to list a value as it's no longer standardized). Even though the side car wasn't on at the time of the wreck, it was only considered an accessory and the motorcycle was still insured for the whole agreed value. For some reason, from the little bit of plastic damage I had (on said 28 year old Yamaha) they decided to total the bike and wrote me a check for the full amount, minus my "buy back" of $800. Nearly all parts were replaced with parts I had previously removed from my other Venture, so I spent a total of $0 out of pocket and no fraud involved. In hind-sight I should've just taken the extra $800 and given them the bike, as it's still sitting in my driveway for sale.
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Old 12-16-2014, 10:48 AM   #9
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fraud8

Not fraud.
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Old 12-22-2014, 03:37 PM   #10
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Thank you for your responses. If an insurance company were to send a sub-contracted property damage appraiser (not from a bike shop, likely not specialized in motorcycles) to assess damages on a bike, what might one expect from this? Anyone have any relevant experience and/or advice?

As far as I can tell they have a few options:

1 - Send the bike to a shop and pay the repair cost directly to the shop.

2 - Estimate the damages and give the owner a check for the agreed-upon repair cost.

3 - Consider it totaled and take the bike, paying the owner a reasonable value for the bike.

4 - Consider it totaled and give the owner a reasonable value, less some amount to keep what's left of the bike.

My gut-expectation would be a severe low-ball of both the value of the bike, and the cost of the damages. Should I have more faith in these appraisers? How might one go about providing a valid counter-assessment?
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Old 12-23-2014, 07:03 AM   #11
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Quote:
Originally Posted by PMitchell08 View Post
Thank you for your responses. If an insurance company were to send a sub-contracted property damage appraiser (not from a bike shop, likely not specialized in motorcycles) to assess damages on a bike, what might one expect from this? Anyone have any relevant experience and/or advice?

As far as I can tell they have a few options:

1 - Send the bike to a shop and pay the repair cost directly to the shop.

2 - Estimate the damages and give the owner a check for the agreed-upon repair cost.

3 - Consider it totaled and take the bike, paying the owner a reasonable value for the bike.

4 - Consider it totaled and give the owner a reasonable value, less some amount to keep what's left of the bike.

My gut-expectation would be a severe low-ball of both the value of the bike, and the cost of the damages. Should I have more faith in these appraisers? How might one go about providing a valid counter-assessment?
If the frame is damaged, the bike is usually totaled.
Some owners have bought their totaled bike from the insurance company
Check KBB or NADA to get a ballpark value for your bike
Motorcycles Unlimited will probably be able to take care of everything for you from dealing with the insurance company to repair
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Old 12-23-2014, 07:54 AM   #12
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Suggestions for shops to give an estimate and perform repairs

Plain and simple you need a shop that is accustomed to dealing with insurance do the work. Often times the full extent of the damage is not revealed until you actually dig in. A good shop accustomed to dealing with insurance will take care of getting adjustments to your claim. It happens all the time. The adjuster is really just providing an estimate without having dug in. The insurance will expect adjustments to be made.

Last edited by Hail; 12-23-2014 at 07:56 AM.
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