Totaled

[airmed]

I was the unfortunate recipient of the typical left turn unyielding vehicle. Had to seek counsel for some injuries, although very lucky considering.

I have over ten thousand dollars in accessories. Does anyone have experience working with an offenders insurance in the past and getting them them to cover those farkles? I'm unsure how those are handled, however if it's in my power, I will accept nothing but full retail cost replacement for all of them.

Let me know of your experience.

Jon

 

[Sierra1]

Daaaamn. Glad you're still with us. My oldest had a similar crash in '16. Even with an attorney, it was a PITA dealing with the insurance company. They did not want to cover his after market exhaust because "all bikes have exhausts". They ended up allowing us to take the AM exhaust, and put the OE back on. They did not want to cover his helmet, unless they received the helmet. They wanted to give him $85 for the helmet because it was "used". We ended up with full replacement because he still had the receipt. And, they flat out refused to cover his Canyon Cage crash bars. Probably not applicable to you, but since the bike was only three weeks old....and he didn't have gap insurance....he had to make up the difference to pay off a bike that was totaled. The impact cracked the engine block. The only thing that went smooth was his medical bills. They were well over $100,000.00, but we never got a bill. Good luck, it will be an up hill battle.

 

[airmed]

Did he seek counsel?

 

[STenitus]

Man, glad you're OK! I suspect the adjuster's appraisal will signal to you whether or not seeking legal counsel is warranted. If you can somehow dribble some RoundUp on the bike, it might open up a world of possibilities.

 

[magic]

I was the unfortunate recipient of the typical left turn unyielding vehicle. Had to seek counsel for some injuries, although very lucky considering.

I have over ten thousand dollars in accessories. Does anyone have experience working with an offenders insurance in the past and getting them them to cover those farkles? I'm unsure how those are handled, however if it's in my power, I will accept nothing but full retail cost replacement for all of them.

Let me know of your experience.

Jon

Glad to hear you survived. As for the accessories, gather as much information as you can. Receipts, packing lists, copies of orders etc.. For example say you bought some accessories from Revzilla. You can view your order history on their website. Most on line companies save your order history. Print all this info out with pricing for the adjuster. Get all the "take off" parts together just in case the adjuster wants to see them. Get your own insurance company involved. They should help you through this process. Take lots of pictures of your bike just in case you need them later. Good luck.

 

[Sierra1]

Did he seek counsel?

Nope. As soon as he was out of re-hab....back on a new R6. This time it was a 60th Anniversary edition. He had been knocked out....so he didn't remember any of it, so it didn't really bother him.

EDIT: If you were referring to spiritual counseling....no. If you meant legal counseling....yes; but it didn't help much.

 

[EricV]

What Magic said. The more documentation the better on all your add ons. You're seeking to have the same bike as pre-incident. That's their responsibility, to cover your loss. You may want to check on replacement costs of the big ticket items Vs what you paid when you bought them. If things have changed, (gone up), get quotes for everything and take copies of those too. Never, ever, give up your original receipts.

Note that it's pretty standard for them to request the helmet if they are replacing it. It's just an insurance thing. I had my own agent demand my helmet, despite there not being a scratch on it. Insurance paid replacement cost.

 

[Byron]

I was the unfortunate recipient of the typical left turn unyielding vehicle. Had to seek counsel for some injuries, although very lucky considering.

I have over ten thousand dollars in accessories. Does anyone have experience working with an offenders insurance in the past and getting them them to cover those farkles? I'm unsure how those are handled, however if it's in my power, I will accept nothing but full retail cost replacement for all of them.

Let me know of your experience.

Jon

Simply demand it and don't sign anything. Just tell them to make it right or your lawyer will get involved and they will pay for that too.

 

[SuckSqueezeBangBlow]

I just went through this with my car and I have to give credit to the insurance company, they were very good to deal with. I looked into what my car was worth and they offered me significantly more than that, then they said if I had any 'improvements or modifications' they would pay me 100% for anything that I had bought in the last year, with receipts of course.
Good luck with your dealings.

 

[Xclimation]

Sorry! Glad you are alive!

 

[airmed]

Thanks for all the advice. I probably don't have receipts anymore. I do have an itemized list of everything currently on the bike. As someone said, i didn't ask for this, and I want to be compensated accordingly; wanting things as they were pre accident. And no, I will not sign anything until I'm completely satisfied. A lot of the parts on the bike are still good, but they do nothing for me anymore since I probably won't be replacing it. I really don't want to have to remove a bunch of stuff, but would rather have them take it as it is. Both RDLs are still good, brake controller, skidplate, other guards, PDM60, etc... Just don't have the desire to fiddle with it right now. Heck, that's why people get insurance, right?

 

[EricV]

If you purchased any accessories with a CC, you can often go back years on your CC history of purchases and print out the pages that cover the purchases. Highlight the items pertaining to the claim. I would go farther and contact the retailers you bought them from and offer a short explanation that you need a copy of your receipts for an insurance claim, ask if they can provide a duplicate. Most will be able to help you out. If they are willing to is another issue.

(I have documentation for the last 8 years of my business. I have done this for customers.)

Most of the time the Insurance company won't let you remove things. If the bike is in your possession, pull everything off you can, IMHO. It simplifies the claim. That said, you won't get a replacement cost, (if they pay up), for anything you remove.

 

[navynuke]

they said if I had any 'improvements or modifications' they would pay me 100% for anything that I had bought in the last year, with receipts of course.

Within a year?? That would be terrible, my Tenere is all put together and setup great,but most of the parts are >3years old, so no new crash bars, or skidplate or anything.



Sent from my SM-G892A using Tapatalk

 

[twinrider]

Thanks for all the advice. I probably don't have receipts anymore. I do have an itemized list of everything currently on the bike. As someone said, i didn't ask for this, and I want to be compensated accordingly; wanting things as they were pre accident. And no, I will not sign anything until I'm completely satisfied. A lot of the parts on the bike are still good, but they do nothing for me anymore since I probably won't be replacing it. I really don't want to have to remove a bunch of stuff, but would rather have them take it as it is. Both RDLs are still good, brake controller, skidplate, other guards, PDM60, etc... Just don't have the desire to fiddle with it right now. Heck, that's why people get insurance, right?

You're OK, that's what matters most. Just keep pushing the insurance company and don't accept anything less than full compensation.

Oh, and if you decide to sell the RDL, I'd be interested.

 

[SuckSqueezeBangBlow]

Within a year?? That would be terrible, my Tenere is all put together and setup great,but most of the parts are >3years old, so no new crash bars, or skidplate or anything.



Sent from my SM-G892A using Tapatalk

Keep in mind that was my car though, so new tires stuff like that all counted. I guess they figure if you used it for a couple of years it was fully used and you got the money out of it.

 

[Sierra1]

….Most of the time the Insurance company won't let you remove things. If the bike is in your possession, pull everything off you can, IMHO. It simplifies the claim. That said, you won't get a replacement cost, (if they pay up), for anything you remove.

When we removed our items, the bike was already in a salvage/auction yard. The stipulation was what ever we took off, we had to put the OE back on; we left the items in a pile beside the bike. I agree with Eric for taking off EVERYTHING you put on....'cuz you're not going to get replacement value if you leave it on either. They depreciate everything at a very high rate.

 

[Coyote]

Glad you're OK, i know how you feel after being rear ended in august which got my bike totaled also... As for the insurance, they fully paid for all the farkles that i had the bills for... but this is Canada, i cant say much about how that works south of the border.

 

[Checkswrecks]

Again, really glad to hear you are OK. A lot of what is below is similar to what others wrote.

Make a list of everything lost. Absolutely include any protective clothing and helmet.

Put your cost for each item. If you don't have receipts, you may be able to get prices from the sources. Credit card records work. Print a copy of the webpage for each if nothing else.

Take their initial offer as an opening round. Some companies are actually quite good and others suck.

Don't expect much from lawyers if there were no personal injury claims. For injury, they will frequently bill by taking a large portion of what you might get form the other side because that can be tens of thousands of dollars. For physical motorcycle items which might add to thousands, they will bill you by the hour and their bill can quickly add to more than what you recover.

If you strip parts and sell them, expect to recover a quarter to third of the price you paid. Sometimes more but generally not.

Sorry and yes it sucks.

 

[Sierra1]

One of the other things we learned was that unless it was a commercial vehicle, with a commercial liability policy....like he said, don't expect much. The Texas required minimum liability coverage is only $30,000.00. Only the commercial semi trucks carry a million dollar liability. The only way a person gets "pain & suffering" or "lost wages" is if they're hit by something with the huge liability limit. If you're hit by a "regular" person, you'll be lucky to break even.

 

[EricV]

Keep in mind that many people carry over minimum limits. 30k wouldn't do much in many states. And an umbrella liability policy for 1M is cheap.