Ok...red truck backs in to my "never dropped" CBR....

The mother EFFERS take off...not a note nothing!!!


Lets start with the right side...

Bent brake lever...

Left side:

Cracked upper fairing.
Cracked tail
bent license plate
bent KICKSTAND? WTF
bent shift lever
bent clutch lever
broken turn signal

Hey you in the white baseball hat with a goaty and ponytail wearing baggy jeans and driving a red truck, if I find you...your dead!!!!


I'm looking at way over a grand in parts and labor
I have full coverage but I'm afraid if I make a claim, that my premium will sky rocket and I'll be screwed

Anybody ever deal with this?

I'm out...I'll be back when I cool off...

Jonah

I've been told that collision (or is it comprehensive) claim wont raise your rates...yeah right.

How about instead, you call your insurance co and ask a "hypothetical" question since you park your bike in the street sometimes. Or because you saw someone almost bump your bike. Ask them if your circumstances would, hypotheticall, raise your rates (assuming hit and run driver).

half that stuff you dont need to replace right away and ebay will satisfy your need for cheap parts. hell, sounds almost like a candidate for an insurance write-off if you were to claim it.


BTW-that totally sucks. seems no one in this country knows what personal responsibility means...

was in a car accident that wasn't my fault, car was totaled.  My rates doubled anyway

Man that sucks.... Was this near your home?? (Perhaps they live nearby or have friends that do and maybe you'll see them again...)...


Yeah Pantablo...responsibility is rare...(and expensive..)... Two weeks ago Towing the work boat ( 28 foot  boat with a Boat lift on the deck..) I was at a shopping center... Lady pulled in behind the boat ( I had it parked across several spots..no other way to park it..)...

She must have pulled in to the spot behind me as I got in the truck... I looked and didn't see her... I backed up slowly.

$1206  to fix the hole the prop cut in her cab rear door and the dent in the corner of the cab....  

I own my screw ups.... It's a shame that so few people do that...

The good news is I got a few dates out of it....(Am I a stud or what...) Heheh....

Vers.....I've been  the victim of a hit and run before too..I know the rage and futility.... Maybe you'll get lucky and catch up to them...

Man that sucks...

AJ, you were in a wreck.  That is one of the questions they ask when you get insurance.  Jared was not "in" the wreck, just his bike was.  If they raise your rates get another insurance company, but best to ask people in your state to see.

Insurance companies are like fish in the ocean.  If they raise your rates, throw it back and catch another one.

never file a claim, unless your going to the hospital and need to use the medical insurance.   ebay and CL will get you through to all the parts you need, and go get a pistol, next time shoot out his rear window and he will think twice about running.

Quote from: Jared
Yeah Pantablo...responsibility is rare...(and expensive..)...

Even more expensive when you leave a note on the car and then the person calls you two months later and tries to scam you by asking for tripple to costs.  When you refuse and reffer to the insurance company, he tries to tell them that you "totalled" the entire side of his car and "pushed it into a wall".

Fortuently (for me) the claims inspector laughed in his face, gave him a 500 dollar check and told him go away.

Anyway.. Sorry bout your your bike VersOne... =( that hurts.

Quote from: VersOneOk...red truck backs in to my "never dropped" CBR....

Ugh....this just fries me...sorry about your bike.  :x

File a hit-and-run with the police.  No chance you got his license?

Some insurance companies don't raise rates for uninsured/underinsured...

It wouldn't be filed through uninsured, it would be a collision claim. To be an uninsured claim the driver has to be identified and have no insurance or their insurance company would have to deny the claim.

Most companies won't raise your rates for a "not at fault" collision claim but sometimes will lower your discounts for filing the claim. Lower discount equals higher payments anyway but it might be worth it if the damage far exceeds your collision deductible.

*edit

If you can repair it cheaply just do it... If it's really expensive turn it in to the insurance company... That's why we pay for insurance anyway right?

I JUST got my insurance issues resolved. I had the EXACT same thing happen to my GS, except that the guy stayed and gave me his insurance. I had $1680 worth of damage to my GS just from having it knocked over. The bike was in the shop 2 days short of a month.

Check with your insurance company before making a claim. Don't give them your policy number, just ask them what would happen to your rates if the thing happened, and if they say they will rise, get an estimate on the amount they will and for how long they will remain that way. Calculate out the cost of insurance increase and the cost for parts, go with your best choice.

Knowing insurance companies, the likelihood is that it'd be better if you just repaired it yourself. If anything you can just turn it into a naked streetfighter.  That'd just be hot.

so...I'm looking at 1250 just in parts   :mrgreen:

Insurance company says, this falls under my comprehensive coverage and because it was out of my control will not increase my premium.

What I'm worried about is, my discounts...I'm over 25 with a 9year clean driving record....I get the cheapest possible rate of 500/year for full coverage.


My guess is I can kiss that goodbye...

Did they say anything about losing discounts?

And...  What's your deductible?

Actually Jimbo I was driving a work truck with a 28 foot work boat in tow... There was no motorcycle involved...  It's just going to cost me about $1200 ( tack on a rental too....). ...Hey I did it...I owned it...now I'm paying for it...(responsible me....)...

Anyway...

Vers.. you can probably bend your sidestand and shifter back close to where they were..The other stuff... Ebay over the winter as others have said....... Probably cheaper in the long run to fix it that way....

you could always arrange for another policy...with another company to start in say..90 days...then file your claim..get it fixed..switch to the new policy early and close the current policy out  before they raise your rates...  theirs nothing they can do about that..

FYI on the insurance:  It's not necessarily going to help to compare insurance experiences unless they're coming from the same state.  State insurance statutes vary incredibly.  Most auto insurance companies aren't legally able to sell insurance in Massachusetts because of statutory compliance issues.  Pretty much everything can be different...in some states, filing too many claims can make you uninsurable, in others it can raise your premium through the stratosphere or put you into a "high risk" pool (which has the same effect)...while others can only legally raise your premium for "surchargable" events.  Some have no effect on you if the loss is not your fault (as presumably a legally parked motorcycle being damaged while you were not near it would be)...but others are "no fault" and it doesn't matter why the loss occurred, you still end up paying for it.  And don't get me started on subrogation...

I always call my insurance agent and fully explain the situation.  Mine is fantastic and will always let me know if I'm better off not filing the claim, how it will likely effect my premium, etc.

You might also want to check around the area to see if there were any places that might have security camera footage (bank/convenience store/gas station nearby?) that might identify the truck and provide a plate number.  Ask around to see if anyone saw the incident (perhaps saw the guy come from a gas station...they're likely to have gotten footage of the plate).

jimbo being lodged into the back of a semi by two cars that were behind me was not fun.  I did check around and my insurance is still the lowest.

insurance is one the easier ways people steal our money.

bunch of thieves

Quote from: bannerinsurance is one the easier ways people steal our money.

bunch of thieves

Until your 300k house burns down.  Or you need a 100k organ transplant.  Or you go on disability.  Or you run into someone and they sue for 50k medical damages.