Crashed my new Street Triple

[Spunky99]

This isn't a dig towards you john, but to the reality of society in general.

Isn't it sad that we have to "lawyer up" for things that seem like common sense to the majority of people. Nothing against lawyers either. It just seems that more and more things end up needing lawyers to do what people used to be able to do on their own. this, LJ's title issue, ect....

sad...

I think it sucks big time to have to lawyer up for a paper cut or a splinter but that is how it is these days......
If the original 13th amendment had been ratified, we wouldn't have this problem.
This world is full of crooks and cheapskates. You have to sue to get what you already paid for.

 

[FZ1inNH]

My daughter was recently hit in her car by another car. After getting his insurance information and the police report the next day, she called HIS insurance and filed a claim against him. They sent an adjuster out, she took it to her garage, they provided their estimate and then the guys insurance company authorized the repairs. They sent the check to our home and we paid the garage. She got a VERY nice rental for free for the three days her car was in the shop.

My point is, she never called our insurance company to file a claim but she did, after getting authorized repairs, call then to give them the details so they were aware of it. No money out of pocket and that company handled it all. USAA was who handled hers though. We are with Liberty Mutual.

 

[r0ar]

My daughter was recently hit in her car by another car. After getting his insurance information and the police report the next day, she called HIS insurance and filed a claim against him. They sent an adjuster out, she took it to her garage, they provided their estimate and then the guys insurance company authorized the repairs. They sent the check to our home and we paid the garage. She got a VERY nice rental for free for the three days her car was in the shop.

My point is, she never called our insurance company to file a claim but she did, after getting authorized repairs, call then to give them the details so they were aware of it. No money out of pocket and that company handled it all. USAA was who handled hers though. We are with Liberty Mutual.

exactly how it suppose to be done. Thru their insurance not yours.

 

[jocampo]

Got legal representation

Folks,

Thanks so much for the comments, really helpful. It is useful to have different points of view, especially with this kind of stuff.

I decided to have legal representation. Basically, because I am leaving my current job next week, won't have medical insurance for a few months and I want to check my back and head with a doctor. I also have minor pain on my arms and legs. Not a big deal, but X rays do not cover soft tissues like muscle or nerves, only bones. I won't probably be able to do all these next week because Friday is my last day and I want to be sure my spine, back and brain is ok. and I have the money to pay for it.

My brother is a doctor. On this type of accidents where you fly like Superman, things can look ok but you may have problems later on the road. If I settle down now, I will have to deal that myself later.

Anyway, somehow, feel safer that way and I have to pay zero dollars. Of course, they will take a percentage, but honestly, not my problem. It was the other party fault, not mine.

By the way, the legal firm's representative own two bikes, ... a Yamaha r6 and a Vstart cruiser. So he knows about bikes and these type of accidents.

 

[jocampo]

My broken "baby"

Visited the dealer and gave the keys, which I had by mistake. I was able to take these pictures. Like the guy said, does not look too bad.

I am not pretending to be a mechanic, but the frame looks ok, not bended.

 

[oorgle]

you shouldn't be talking at all with your insurance. Your insurance has nothing to do with the accident. The fact that she was at fault makes it her insurances problem.



your insurance is there in case you cause an accident or someone without insurance does and can't cover the damage. they can be used to cover excess costs if the at fault driver's insurance policy maxes out before you are fully reimbursed.

its sad to admit but i have been in numerous car accidents in the past and trust me don't even talk to your insurance company. call hers and file a claim. if they lag or resist bring in the lawyer. It is her insurances responsibility to make sure you and your property are reimbursed.


oh and medical costs are insane. my ER visit in april cost over $5k and all they did was take 2 x-rays. no ambulance involved. I know in CA an ambulance ride averages about $5k

 

[r0ar]

you shouldn't be talking at all with your insurance. Your insurance has nothing to do with the accident. The fact that she was at fault makes it her insurances problem.



your insurance is there in case you cause an accident or someone without insurance does and can't cover the damage. they can be used to cover excess costs if the at fault driver's insurance policy maxes out before you are fully reimbursed.

its sad to admit but i have been in numerous car accidents in the past and trust me don't even talk to your insurance company. call hers and file a claim. if they lag or resist bring in the lawyer. It is her insurances responsibility to make sure you and your property are reimbursed.

Sometimes its good to have your insurance involved the other companies is trying to mess around. Having a three way call with your insurance on the line when the other tries to screw you over and tell you BS and then your agent is like actually BAM and stuff gets done.

 

[jocampo]

Well...

Dealer called me. The service dpt. guy says repairing the Triumph, with labor, will cost around 6k.

 

[Marthy]

6K?????????? From the pics all you need is a set of headlight!!! Sound more like 600 to me... If nothing is bend... go get your bike and fix it yourself! I'm a mechanic... and don't thrust mechanic...lol They all crooks! LOL

 

[jocampo]

6K?????????? From the pics all you need is a set of headlight!!! Sound more like 600 to me... If nothing is bend... go get your bike and fix it yourself! I'm a mechanic... and don't thrust mechanic...lol They all crooks! LOL

Well, I won't pay it, the insurance company will (other party), but I honestly found it too high.

Let's see what the other Insurance company will say ... I do not have the complete list of parts with me.

 

[Nastybutler]

It seems when the shop knows it's going to be paid for by insurance they always double what it'll actually cost. If you were paying out of pocket they probably would have quoted you $3K.

 

[bmw675]

Well, I won't pay it, the insurance company will (other party), but I honestly found it too high.

Let's see what the other Insurance company will say ... I do not have the complete list of parts with me.

I think what marthy is saying is: let them cut you the check, go get the parts you need, and fix it yourself. you'll keep the labor money and get to spend time 'tinkering'.

that is if you have the time and skill (nothing looked terribly out of whack).

EDIT: looking back at the pictures, which side did fall on? I can't tell, and thats a good thing.

 

[jocampo]

I think what marthy is saying is: let them cut you the check, go get the parts you need, and fix it yourself. you'll keep the labor money and get to spend time 'tinkering'.

that is if you have the time and skill (nothing looked terribly out of whack).

EDIT: looking back at the pictures, which side did fall on? I can't tell, and thats a good thing.

This needs to be repair by a dealer. The bike is not paid in full so whatever check AMICA will give, will be to an authorized dealer or repair center.

I also do not have the skills and time to fix that.

 

[Marthy]

The dealer told you that or the insurance? I call it BS... I collected $$$ from insurance on a 3 months old car and fix it myself before...

What I mean is what BMW said, collect the check and fix it yourself. Or get the dealer or a local shop do the hard work... if any! Ya... on what side did you land...lol Can't even tell. I bet if you do most of the work you can fix it and pocket a $hit load of $$$$!!! Think about all the free mods!

 

[JSP]

This needs to be repair by a dealer. The bike is not paid in full so whatever check AMICA will give, will be to an authorized dealer or repair center.

I also do not have the skills and time to fix that.

No! By law you can take the vehicle to ANY repair center of YOUR choice! But by the quote they gave you, the insurance will Total the bike. So they will give you a check for the value of the bike and then give you a price that you can now buy the totaled bike back from them if you want. Any money left over you can use to fix it how you see fit. But you now have a totaled title bike.

The price is so high because the shop is quoting replacement an anything that has so much as a scratch on it. If your frame has any dent what-so-ever, they usually total it right then and there...

But like Martin said, if the insurance is not going to total the bike at the $6k repair bill (no clue why they wouldnt), then take that check man. Then fix it yourself or somewhere else much cheaper and pocket the left over money.

automobile repair facilities

Only issue is that since there is a lien on the bike, the BANK may require you to fix it (still at a shop of your choice) or apply the money directly to the lien on the bike. Also since the damage (they claim) is that high and your name AND the lien holder is on the title, they will make the check out to BOTH of you (since they technically own the bike). Which means you cannot cash it unless your bank signs off on it.

 

[jocampo]

No!

The dealer is not forcing me to repair it there, but like I said, I do not have the skills and time. Also, no offense, but it is a European bike. It will be more difficult to get the parts if not fixed there, brand new parts.

Yeah, there is a lien on the bike. But if they give me a check for 6k, even 5k, I will pay the loan instead, if possible, of course.

I do not think it can be totalled, because is still below market price, which is around 10k.

 

[danieljardim]

No!

The dealer is not forcing me to repair it there, but like I said, I do not have the skills and time. Also, no offense, but it is a European bike. It will be more difficult to get the parts if not fixed there, brand new parts.

Yeah, there is a lien on the bike. But if they give me a check for 6k, even 5k, I will pay the loan instead, if possible, of course.

I do not think it can be totalled, because is still below market price, which is around 10k.

Personal opinion. Get if fixed as fast as you can and get back on the road. Take the money, find a facility to fix it, getting the bank to sign too much of a "saga". It can turn into a 245 post 35 pages thread like jon-leprecaum bike title hunt.

 

[JSP]

No!

The dealer is not forcing me to repair it there, but like I said, I do not have the skills and time. Also, no offense, but it is a European bike. It will be more difficult to get the parts if not fixed there, brand new parts.

Yeah, there is a lien on the bike. But if they give me a check for 6k, even 5k, I will pay the loan instead, if possible, of course.

I do not think it can be totalled, because is still below market price, which is around 10k.

They total a vehicle when it reaches a certain PERCENTAGE of the price. Some is 50%, some all the way at 80%. So it depends on the Insurance company. So you are looking at about 60% damage cost. Don't be surprised if they total it.

And it is not just market price that they will give it. They also take away any depreciation value for wear/mileage/age (which of course should not be much since yours was so new...?)

 

[MustGoFaster]

So sorry to hear that, brother. Glad yer still here to be able to kvetch about it.

 

[jocampo]

Update

Spoke to my own estimator or Insurance company, which of course, has nothing to do here.

He is in the dealer now, inspecting the bike as well. There is a chance that the bike can be totalled. I asked him to keep me in the loop.

Gosh! This girl really messed up my whole week. I am also leaving HP tomorrow and so busy doing knowledge transfer. Now this ... plus visiting the lawyer and doctors for the follow up of my back and hands. I can't take vacation or days off on my new job, no yet.

Damm it!