....Custom Parts Price Pages..

[~ Timbrwolf]

...Thanks for all the good thoughts, and I have one more
favor to ask. Progressive offers 3K coverage for "custom parts".
And the claim rep was asking me if I had any receipts or "proof".
as to how much I paid for them. I know that most of these things
have long since gone out of production, but from time to time I do still
see pages that have them advertised for sale, even though they
dont have any in stock.


..My question to you is ...do you know of ANY pages that advertise
these old custom parts, and how much they are asking for them ?


...Once again Thank You ALL so much for your good thoughts, you folks Rock ! .. 

[fudgie]

Did u try ebay? Lotta parts are sold by dealers. might help.

[PAVALKER]

I believe I have an OEM accessories catalog, but not sure if it has prices.  Besides, you might be best to get today's prices for valuation that those from the late 90s.  Probably Google search for pricing is best, even if it is no longer obtainable, at least you get current value credit.

[sheets]

When I dealt with Progressive three years ago all I did was create my own list of accessories and the price I paid for them at the time of purchase. They didn't ask for receipts. They took my word for it. My list exceeded $3k. No questions no hassles, they gave me the high value of bike (`99 Tourer) plus the $3k for bolt-on bling. I was crushed to see my pride and joy go to the local junk yard, but pleased with the pay-off. Didn't much care for the increase in insurance (doubled), so I found another company. If the police were involved, the insurance company will get a report even if you didn't get a citation (Calif.). Rates go up for a period of three years. The mishap will fall off the record after three years. Was troubled to hear of your mishap. Sh!t happens fast, even at 40 mph. Healing thoughts to you and Chili. 
Yrmv, sheets     

[BradValk48237]

I also had to turn in a claim for Progressive in 09 I think....

Dave.. First.. DO NOT SIGN OVER THE TITLE UNTIL the claim is settled!!!!!!!!

I say that because they totaled out my bike for cosmetic reasons.. Mechanically it was fine, but all the plastic and stuff that got scuffed was not cheap for OEM parts and they would not do otherwise. You are most likely in the same boat.... I bent the exhaust, smashed the trunk, and crashed right side of bike.. faring, pod, saddlebag......

They ended up totaling the bike, but I kept it and they just deducted the salvage value from the settlement.. It cost me like $1900 to keep the bike, but the settlement was over $9k for a loaded up 2000 I/S..... $2500 in used and new parts and paint and the bike looked like it did when i got it... Local guy did body and paint repairs.... Repaired straightened exhaust, used trunk from Pinwall (colormatched, no paint)... repair and paint on other items.. also got  a new windshield and extra chrome doodads with the extra cash.

SO look into this, because you can keep a clean title here in Michigan..... as long as you do not sign it over and they "sell " it back to you as salvage....

I did not have to show any "proof" for my add ons.... I even had "custom" exhaust.. they were just 18" extensions, but the adjustor thought they were aftermarket and I pointed out how expensive they were.. got $600 credit for them....

The adjustor knew what he was doing and I just pointed out all the things he missed.... I also got credit for damaged helmet and leather.

I ended up with a better bike overall for half of what I originally paid for it....

Brad

[~ Timbrwolf]

....Sheets and Brad, thanks for the input on Progressive.
How many miles did you have on your bike when they went down ?

[KG]

Don't have receipts but this is the list the previous owner kept and I used when I insured my IS.

[BradValk48237]

Mine had 26K or there abouts.(60k plus now).....  I had only owned the bike for 2 months.... till Dad rear ended me with his 06 wing....

Point out to him what these bikes are going for on eBay and cycle trader..... usually above blue book.....

B

[sheets]

....Sheets and Brad, thanks for the input on Progressive.
How many miles did you have on your bike when they went down?
--------------------------------------------------------------------------
Mine was close to 75k miles. Progressive sent me paperwork on what same model/year bikes were selling for: $ hi - mid - low. They sent a roll-off wrecker long distance to pick mine up and haul it their location where they inspect bikes. They said mine showed evidence of cracked paint at the neck of the frame (aside from the obvious damage). Cracked paint = bent frame =     They offered high book value without me even asking (it was a cream puff). I did have the presence of mind to take off the dual Corbin saddle and put the OEM seats on before they took her away. I never saw her again. I still have the dual touring seats that need a good home.   

[~ Timbrwolf]

....Thanks for the response...my problem is a LOT of these Xtras are stuff that
hasnt been on the market for years and is highly coveted in the "Valk community".
The bike is in immaculate condition, and I know when I point that out, their response will probably be,
.....Nooooooo its OLD with HIGH milage....  

[sheets]

Agreed. The value of the bolt-on stuff is subjective. What is valuable to you and me doesn't mean a damn thing to the insurance company. Same as selling a bike. All your personalized add-on stuff won't give you a dollar for dollar return on what we spent in the beginning. Lucky to get thirty-five cents for every dollar actually spent for the extra bling and doo-dads. Like my six hundred dollar seat I can't sell for half that. It was a painful experience to deal with a wrecked bike; physically, financially and emotionally. I'm not throwing fistfuls of money at my current bike as I did with the Valk. Watching her pull out of the driveway on the back of a wrecker made a lasting impression on me. She was a labor of love festooned with shiny bits one day and deposited in a junk yard the next. Its just a thing. I'm just thankful I walked away and lived to talk about it. Yrmv,       

[Willow]

....Thanks for the response...my problem is a LOT of these Xtras are stuff that
hasnt been on the market for years and is highly coveted in the "Valk community".
The bike is in immaculate condition, and I know when I point that out, their response will probably be,
.....Nooooooo its OLD with HIGH milage....  

Two points, Timbr.  When negotiating if the adjuster tries to give you low bid based upon mileage simply challenge him to find a similar bike within reasonable distance.  Ask for three to set the definite trend of price.

Secondly, no matter what you agree upon as a cost, tell them you choose to keep the bike and ask how much that will reduce the payoff.  It should reduce it by something between $1,300 and $1,900.  It depends somewhat on how much they think they'll profit by parting out the remains.  By retaining the bike you will keep all your add ons.  Whether your fix up the nbike to ride again, replace it with another, or part it out on your own it's a better deal for you to keep it.

Maybe a third point.  Give the insurance company, as you've been advised, neither possession nor title to the wrecked bike.  In a lot of places that matter, any vehicle that has been owned by an insurance company holds a salvage title and is treated very differently for value.

My second Interstate that totaled for a little over $9,000 had about 130,000 miles on it.  They reduced the payout by $1,300 for me to keep it.  I did not repair it as I feared the possibility of frame damage, likely an ignorant fear on my part.  I've regained the cost of the payout reduction in parts I've sold.  With the settlement money my friend, Joe, shopped carefully for me and I purchased two used Interstates, one to keep and one to fix up and sell.  It wasn't too bad for a brain damaged individual.

Good fortune to you.  My heart hurts for Faith.  I hope her healing will progress quickly and with little pain.


P.S.  That I did so well with the insurance company may cause some to believe I tried to mislead or cheat them.  I did not and I have little respect for dishonesty with either insurance companies or anyone else.  The best policy is to speak frankly and openly about value, what it will cost to replace what you've insured.  It is your money that you paid Progressive to insure your property against the financial impact of its loss.  Be honest and settle for no less than the coverage for which you have contracted. 

[~ Timbrwolf]

Again, thanks for the advice Carl. The problem Im having while were sitting
here Itemizing all my Xtras, we are already over 3K and still have my
Waynes World and other big ticket items to account for. So when I
show this adjuster my "high dollar itemized list" his mind is going to
go cha ching on the salvage value and how much he,s willing to
sell me the bike back for. I have no intention on signing anything
over, as I intend to keep the bike. Hopefully the plan is to be able
to salvage enough cash out of this deal to be able to buy another
used State and rebuild this one "stripped down" for Faith.


Thanks for the well wishes also, as no one knows better the "issues"
one is suddenly caught up in after a bike accident, then someone who
has experienced it.

[Willow]

... So when I show this adjuster my "high dollar itemized list" his mind is going to
go cha ching on the salvage value and how much he,s willing to
sell me the bike back for. I have no intention on signing anything
over, as I intend to keep the bike. ... 

Since you're not going to "sell" them the bike with extras they are not an issue.  Don't complicate the negotiations with them unless the adjuster forces the issue.  They would become an empty portion as they will increase the value of the bike, but also offset by increasing the cost of buying the bike back.  Since they're not going to change hands they're not really a meaningful part of either side's consideration.

Good plan.   

[wiggydotcom]

....Thanks for the response...my problem is a LOT of these Xtras are stuff that
hasnt been on the market for years and is highly coveted in the "Valk community".
The bike is in immaculate condition, and I know when I point that out, their response will probably be,
.....Nooooooo its OLD with HIGH milage....  

Two points, Timbr.  When negotiating if the adjuster tries to give you low bid based upon mileage simply challenge him to find a similar bike within reasonable distance.  Ask for three to set the definite trend of price.

I gave Timbr the same advice, Carl. After the insurance company claimed my bike was totaled, the other company lowballed me by about a 1000 dollars. I told them about all the bling I had and they just said, "Sorry, that's what our figures come out to."  I then switched gears and told them to find me SEVERAL Interstates for their quoted value that I could pick a replacement from. The adjuster I was dealing with called me back an hour later and said, "Mr Harris, we couldn't find an Interstate within 500 miles of you for that price!" I said, "Really??!!" They then upped their offer 1000 dollars.

[~ Timbrwolf]

...My problem is, as you know being a Progressive customer, they already offer 3K in
Xtra bling coverage, and he has already asked me on the phone twice how much in
Xtra bling do I "think" I have and do I have receipts ? He also asked me if I thought
if the back tire was repaired...would the bike be "rideable". I told him that it wouldnt be,
and after I hung up, I started thinking that might have been a trick question to see what "I" thought
the damage level was. Faith has itemized almost all my bling and its almost 4k already.
My thinking is the age and high mileage will help me in the buy back, but the high bling value
will hurt me.....Im not signing the title over and Im definitely keeping the bike.

[KY,Dave (AKA Misunderstood)]

...My problem is, as you know being a Progressive customer, they already offer 3K in
Xtra bling coverage, and he has already asked me on the phone twice how much in
Xtra bling do I "think" I have and do I have receipts ? He also asked me if I thought
if the back tire was repaired...would the bike be "rideable". I told him that it wouldnt be,
and after I hung up, I started thinking that might have been a trick question to see what "I" thought
the damage level was. Faith has itemized almost all my bling and its almost 4k already.
My thinking is the age and high mileage will help me in the buy back, but the high bling value
will hurt me.....Im not signing the title over and Im definitely keeping the bike.

My progressive renewal notice just came. Says after 1 more year of claim free I have accident forgiveness and (in most cases) no rate increase on a claim. Hope that ends up being the case for you. It may go better then you expect , at least that's what I hope is the case for you.

[~ Timbrwolf]

...Thanks Dave, mind if I ask how long you,ve had Progressive ?
Ive had them 5 years with no accident claims, and the rep I talked
to a week before the accident was telling me what a great
loyal customer I am and how he is gonna get rid of my 250 deductible
completely.

[eric in md]

take off all the bling that you can now before the adjuster see its ..   if they total it sell the bling later

[KY,Dave (AKA Misunderstood)]

...Thanks Dave, mind if I ask how long you,ve had Progressive ?
Ive had them 5 years with no accident claims, and the rep I talked
to a week before the accident was telling me what a great
loyal customer I am and how he is gonna get rid of my 250 deductible
completely.

Have had them since 09 but a break in service with them. I think this is my 4th year with them since moving to KY. You should have no trouble