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Old 01-17-2008, 09:26 PM   #1
ForgottnSoul
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I need help!!

Ok so I have a problem. In late Oct. my 2003 R1 went down in a ccident with my brother riding it. It was the ladies fault and the insurance is going to pay. But problem being is that I took it to Texas City Yamaha for the esitmate and they dont just esitmate the damage in the wreck but EVERYTHING!! Any not stock, scrath in the paint, etc etc. So complete esitmate was 12,476!!! So ummm is it just me or is this just messed up? Now the insurance will deff tottal out my bike. I talked to the claims officer and she told me to try and get a diffrent estimate.

Any of you have experience with this type of thing? What should I do!?!?
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Old 01-17-2008, 09:30 PM   #2
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Take it to another dealer . And only in a last resort ask your insurance company who they recommend !
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Old 01-17-2008, 09:31 PM   #3
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Take it to another dealer . And only in a last resort ask your insurance company who they recommend !

Yeah it wouldnt hurt having someone else look at it. Try talking to Patrick and take it to Motorcycles Unlimited!!
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Old 01-17-2008, 09:41 PM   #4
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Quote:
Originally Posted by ForgottnSoul View Post
Ok so I have a problem. In late Oct. my 2003 R1 went down in a ccident with my brother riding it. It was the ladies fault and the insurance is going to pay. But problem being is that I took it to Texas City Yamaha for the esitmate and they dont just esitmate the damage in the wreck but EVERYTHING!! Any not stock, scrath in the paint, etc etc. So complete esitmate was 12,476!!! So ummm is it just me or is this just messed up? Now the insurance will deff tottal out my bike. I talked to the claims officer and she told me to try and get a diffrent estimate.

Any of you have experience with this type of thing? What should I do!?!?
Can you not explain that u just want the damage from the wreck fixed? Shouldnt be unreasonable for them just to write that up. Maybe they thought u wanted it totalled?
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Old 01-17-2008, 10:48 PM   #5
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Originally Posted by ForgottnSoul View Post
Ok so I have a problem. In late Oct. my 2003 R1 went down in a ccident with my brother riding it. It was the ladies fault and the insurance is going to pay. But problem being is that I took it to Texas City Yamaha for the esitmate and they dont just esitmate the damage in the wreck but EVERYTHING!! Any not stock, scrath in the paint, etc etc. So complete esitmate was 12,476!!! So ummm is it just me or is this just messed up? Now the insurance will deff tottal out my bike. I talked to the claims officer and she told me to try and get a diffrent estimate.

Any of you have experience with this type of thing? What should I do!?!?
Take it to Motorcycles Unlimited.
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Old 01-17-2008, 10:51 PM   #6
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Isn't it illegal for them to write up damage that didn't occur in the wreck? Especially if it was the other party's fault and her ins. has to pay for the damages.
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Old 01-18-2008, 12:12 AM   #7
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i had my bike damaged by another woman and i took it straight to Motorcycles Unlimited FTW....
he fixed everything. talk to patrick fo sho
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Old 01-18-2008, 02:31 AM   #8
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what they do is write up everything they see. and yes a lot of the time the it costs more to fix the bike then to just buy a new one. y that is i don't know. But again get another quote and see what happens. it will all depend on part availability and age of the bike... good luck man
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Old 01-18-2008, 06:19 AM   #9
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Cool

Does the bike have any pre-existing damage to it?
If so, did you make the dealer aware of it?
If not, the dealer is obligated to report / quote any damage caused by the wreck.
Not doing so is not only unethical but not good customer service.
It can also open the dealer to potential liabilty issues.

Believe me, I've worked on more than a few bikes that were "crash repaired" by another shop. The bike owner "thought" he was getting taken care of only to find out that corners were cut or items were overlooked intentionally.

How badly is the bike damaged: bodywork, forks / triples, subframe etc.?

I'd recommend going over the estimate line by line so you know exactly what's being quoted and why.

If you have any questions or if I can offer you any advice,, please feel free to give me a call.
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Old 01-18-2008, 06:22 AM   #10
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look to see if they're charging $200 for blinker fluid.
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Old 01-18-2008, 11:07 AM   #11
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Could you collect a check and get it fixed elsewhere?
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Old 01-18-2008, 11:09 AM   #12
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the insurance company will never cut him a check for the repair estimate, they will total the bike out at the depreciated value.
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Old 01-18-2008, 11:14 AM   #13
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the insurance company will never cut him a check for the repair estimate, they will total the bike out at the depreciated value.
Gothcya.
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Old 01-18-2008, 11:30 AM   #14
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Old 01-18-2008, 11:39 AM   #15
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happens all the time with bikes.

insurance is REQUIRED to get your vehicle back to the way it was. even if you have a scratched lever (if it's functionable or not)....they'd replace it. hairline crack in the headlight, replace. scratch in the decal on the fairing......guess what, replace. you know the rest.

the dealership is not trying to screw you, they are just doing their job. they make ABSOLUTELY NOTHING when your vehicle is totaled. if someone was trying to screw you, they'd estimate you low enough so insurance doesn't total it, so they can get some labor work out of it.

why would you want to keep your bike if it's damaged like that anyways when the insurance is willing to total it out and pay you to get a new one? common sense man, get rid of the bike. or you will have horrible resale if someone finds out your got fcked up in the past.
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Old 01-18-2008, 11:47 AM   #16
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Time for faster and better bike, IMO.
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Old 01-18-2008, 12:16 PM   #17
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Quote:
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the insurance company will never cut him a check for the repair estimate, they will total the bike out at the depreciated value.
And this is where you grab your anckles and try not to clinch if you financed the bike. Even if you didn't and paid cash better get the industrial KY b/c here it comes...
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Old 01-18-2008, 12:38 PM   #18
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Old 01-18-2008, 12:53 PM   #19
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And this is where you grab your anckles and try not to clinch if you financed the bike. Even if you didn't and paid cash better get the industrial KY b/c here it comes...


Not necessarily.

You do not have to accept the insurance company's first offer on your bike if they total it.

For example, NADA on your 2003 R1 is $6215.00, add to that, .0625 sales tax = $388.12, Title Transfer Fee $33.00, Registration Fee $47.00.

That becomes $6683.12.

If the bike was low miles or had accessories add that in.

Any gear that was damaged, i.e. helmet, jacket, gloves etc. should also be reimbursed in full as a separate settlement.

Because you were hit by someone else, their insurance should also pay any towing, storage and estimate fees.

As far as buying it back, dream on about the 1/100th vale.

Most insurance companies have a minimum 60% of NADA value deal with the salvage companies, so be prepared to pay close to that if you're thinking about keeping it. That mount would be deducted from any settlement they make you.

As I already stated, get with you the dealer and see exactly what's being quoted and why.
You may be better off walking away.

If you're way upside down on the bike, and it was the ladys fault that hit you, you may want to get with an attorney to try to recoup your losses.

Good luck.
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Old 01-18-2008, 01:08 PM   #20
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Try talking to Patrick and take it to Motorcycles Unlimited!!
Ditto
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