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Krassh
Posted on Thursday, September 29, 2005 - 08:55 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

I was going around a corner on the 18 heading to Crestline and some inconsiderate cager decided to leak tranny fluid all over the lane I was in. Banged up my knees pretty good. Bike is pretty messed up. Broke the primary cover, left mirror ,left peg and left turn signal. Big dent and scratches on the frame/tank. Swingarm scratched etc. Geico guy called me and already started arguing with the idiot when he mentioned repairing the damage to frame. Freakin idiot also mentioned Geico will not sell me back the bike if they total it. I actually got the bike righted after I felt it slide then lost control and the bike went in the opposite direction and I high sided. Oh well at least I am alive. Anyone else have to argue with their insurance after they started spouting repair of an XB frame?
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Lucas70374
Posted on Thursday, September 29, 2005 - 09:11 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

remember the bike is your not for the insurance and I think they have to give you choice to buy it back. If it was me I would argue with them till I would be blue in the face. Well thats kinda how I got my bike back. I told them I wasnt going to settle for what they wanted me to buy my bike back for and I ended up paying like 1000 less then starting price to buy back from. I would not settle with them till you happy
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Buellin_ri
Posted on Thursday, September 29, 2005 - 09:21 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

Get a lawyer, that shut him up.

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Interex2050
Posted on Thursday, September 29, 2005 - 09:50 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

I am glad you are alright.
As for the bike...
this is not the first time I have seen this concern... so what is the deal with insurance companies "owning" the bikes, and the owners having to buy their bikes back?

(Message edited by interex2050 on September 29, 2005)
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Buellj79
Posted on Thursday, September 29, 2005 - 10:38 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

Try a different insurance company after settling up with "GAYCO". Try dairyland they offered me a buy back option before I even spoke with the adjuster.
J
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Krassh
Posted on Thursday, September 29, 2005 - 10:51 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

With the way the guy was going at me in regards to me buying into repair instead of replacement of the frame I wonder if he was feeding me a line of bull in regards to buying the bike back so I would not want to go the total route?
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Buellj79
Posted on Thursday, September 29, 2005 - 10:57 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

A lowside at 35mph estimate came to over 7900.00
considering the frame is the fuel cell it would be in their best interest to replace.
J
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Krassh
Posted on Thursday, September 29, 2005 - 11:19 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

That is what I tried to impress on the idiot adjuster. He will be coming by tomorrow morning to look at the bike. I know they are trying to get their company off for as cheap as possible but his attitude was starting to chap my hide.
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Prior
Posted on Friday, September 30, 2005 - 12:22 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

Ken,
Glad to hear you are ok. Bikes are replaceable, people are not.

Insurance... I've had one great experience after an accident, the adjuster was very fair. That was with my Cyclone... Haven't had, nor intend to, have an issue with the Firebolt... Good luck! Make them believe!
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Midknyte
Posted on Friday, September 30, 2005 - 12:42 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

I lowsided 2 years ago. I am with Country Companies. My Ins. agent is a biker. His kid has a bike. The adjuster that came to check out the bike was a biker. AND... the customer service rep that handled my claim was, yes, a biker.

Do I need to tell you that it was handled excellently and promptly?

My rate when up after the accident, as to be expected, but only by a few dollars a month.

Definately, anyone, check them out if they service your area. They rate our bikes by CC's, not by class. In other words - you don't get raped.
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Jackbequick
Posted on Friday, September 30, 2005 - 08:58 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

"..so what is the deal with insurance companies "owning" the bikes, and the owners having to buy their bikes back?..."

If the repair estimates exceed the market value of the bike, instead of repairing it the insurance company can total the bike and pay you the used market value for it. So they now own the bike. It is fairly common for you (the previous owner) to be able to buy the wrecked bike, as is, for the salvage value which is usually much less than the amount they just paid you.

Doing that will often let you fix the bike up yourself (with salvaged/used/aftermarket parts). Or, on some bikes, you can part it out and make money on the undamaged parts.

As described above, there was no lien on the bike. If a lien holder has to be paid off to clear the title, that comes out of your payoff. So all bets can be off, especially if you have a "bad" loan. And many people are clueless about the difference between good loans and bad loans.

Jack
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Mikej
Posted on Friday, September 30, 2005 - 09:19 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

I had one insurance company try to charge me 10cents a mile in depreciation for a wrecked bike once, on top of low balling it's market value. If I'd had many more miles on the bike I figure they would have said I owned them money to total it.
I have them placed in the category.
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Daves
Posted on Friday, September 30, 2005 - 09:44 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

Glad you are ok
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Krassh
Posted on Friday, September 30, 2005 - 11:46 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)








}Time for those armored pants! Thanks for everyones concern.
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Reepicheep
Posted on Friday, September 30, 2005 - 12:24 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

Wow! Thanks for posting. The frame pucks and axle sliders would have made all the difference in the world... you would have just needed a new primary cover and shift linkage.

I have frame pucks, I should really get axle sliders...
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Shotgun
Posted on Friday, September 30, 2005 - 01:01 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

When Progressive totaled my bike, the adjuster called the closest Buell dealer and asked how much to repair frame and forks if damaged. The dealer gave them a quote but said they would not guarenty the safety of the resulting frame. So the adjuster asked what they would sell my bike for if they had it used and in stock with the condition it was in before the accident. That's what they offered me.
If your adjuster says he's gonna repair your bike, he better be sure he can find a repair shop that will do so.
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Stealthxb
Posted on Friday, September 30, 2005 - 01:03 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

They will try to convince you to just fix the frame until they are blue in the face.
The biggest advantage you have is the frame is the fuel tank and it is completely unacceptable to have damage to it!
Tell them even if they repair it you would still have the labor costs of complete disassembly, body work and finish on frame, testing for leaks etc and re-assembly.
When all the numbers are seriously considered the difference in fixing and replacing is actually pretty small.
Ultimately I believe it is your decision.
Be persistent but professional.
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Cereal
Posted on Friday, September 30, 2005 - 01:03 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

Sorry to hear about your spill, glad you've got no serious injuries.

Here is a pic of my buddy’s XB with worse frame damage than yours and then a pic of many hours worth of bondo. The whole area was misshapen so it is not perfect, but it is good enough to cover with the pucks and much cheaper than the cost of replacing the frame. Tell the insurance companies you need to replace it, and then pocket the cash!





(Message edited by cereal on September 30, 2005)
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Krassh
Posted on Friday, September 30, 2005 - 01:40 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only)

Meet with the adjuster today. He made one comment about repair and then let it drop. He was actually surprised that the price of the frame was not as bad as he expected. Looks like he is going to keep the repair price below the total threshold and still get everything replaced. Will know more sometime Tuesday when the estimate is ready.
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