so as my thread stated. i lost my bike in an accident where the other car failed to yield as she turned into her driveway, as i was mid lean in a left hand corner. (she was in my lane)
her insurance company has yet to even talk to me, (they talked to my dad but only cause he was the one who gave the cop his phone number. ( i was still dazed, and in shock)
i have no means of transportation, and missed two days of work because of injury. im having to borrow my moms car since she is done teaching for the summer.
my bike is for sure totaled. just in two plastic fairing pieces and mirrors, its near 1500 dollars.. the NADA says its worth 1900 which is complete crap.. have stuff to show that similar makes and model year bikes are going for above 2800-3500... and even an old 93 model with 50k going for 3k. ..
my gear totals 516 dollars..
on the report it shows that she failed to yield.
under my info, it says i lost control. (how could i not loose control lol? )
im just looking for advice and what have you done to make it worth it > ?
They might not total it. Cross that bridge if it comes to it. The insurance should pay for your gear, you will need to let the claims adjuster know. As for fault, it depends on the state.
A 93 with 50k for 3000? Where? "Going for" and "sold for" are two different things. But if you can prove it will help you. Sometimes if your vehicle is totaled and they try to low-ball your settlement, you can try to make them buy the replacement bike.
Lawyer.
Don't expect anyone to be fair and do the right thing. The insurance company is looking out for themselves. Call a lawyer.
She took your right of way- she's at fault. You're injured- CALL A LAWYER.
Quote from: Jared on May 27, 2011, 07:53:20 PM
Lawyer.
Don't expect anyone to be fair and do the right thing. The insurance company is looking out for themselves. Call a lawyer.
She took your right of way- she's at fault. You're injured- CALL A LAWYER.
thats what im thinking. cause i know a few that are friends of family..
as far as injured, it was a bruise and a small puncture. (both have fully healed. although i took pics)
Quote from: Jared on May 27, 2011, 07:53:20 PM
Lawyer.
Don't expect anyone to be fair and do the right thing. The insurance company is looking out for themselves. Call a lawyer.
She took your right of way- she's at fault. You're injured- CALL A LAWYER.
+1
call a lawyer :police:
well, turns out. i was wrong on a few things.. we were not talking directly to the adjuster assigned to us. he will be talking to us tuesday.. (hopefully he will be able to get ahold of the female who hit me..
in the mean time... since i cant do anything but mope about my bike and not being able to ride it on a beautiful day like... today..
i purchased MotoGP 2008 for my 360.. been knocking out some laps on it. lol.. by the time i get a new bike (if ever) ill be a riding master! ! ! :2guns: :bowdown: jk
anyone else got a story to share. or should i be depressed and expecting nothing for my bike
What you get for your bike will be determined by your policy. I have my bikes insured for Fixed Prices - both higher than it cost to buy my bike. But if you have it insured for Market Value then They determine market value. You can ask them How they determine it.
If your frame is bent the bike will be written off. If the parts required to fix it plus labor cost more than - or close to - the Market Value of the bike, it will be written off.
The adjuster will be determining how much money they can get from the other driver, if you really want the bike back or want to be cashed out, as well as repair costs, etc. Understand, he will do what is in the insurance company's best interest - money is money and time is money.
If you acquired the other driver's details, including insurance company, he'll be looking to get his company's money reimbursed from her insurance company.
Be prepared for her to tell lies to try to talk herself out of the sh!t. The adjuster will know this.
Michael
In general, don't sign anything immediately when it's placed in front of you. Tell them you need your lawyer to review and will get back to them in 48 hours (or whatever.) Even if you don't have a lawyer this will give you time to read and consider.
Don't sign anything with the insurance company regarding future claims on your health conditions unless your are 1) 100% certain you're OK and 2) they pay you. You can go back to the insurance company after the fact with health claims if something later pops up. They know this and will try to get you to sign a waiver by throwing some cash your way. Make sure what they pay is worth what you're signing away if you do this.
If the insurance company gives you any grief regarding 1) Bike and gear repair/replace cost 2) Lost wages 3) Health claims then do not hesitate to hire a personal injury atty to take up the case. Don't threaten them with it, just do it. The atty will take 30-40% of what he recovers, but they tend to expand the size of the pie quite a bit as well.