Lazy
Member
Posts: 136
Member 31297
Tiplersville, Ms
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« on: October 15, 2015, 04:59:52 PM » |
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Sunday afternoon after church the wife was gone to a baby shower so I went for a short ride. On my way back I was about 2 miles from home and a deer jumped from the road bank above me and to my right, hit the bike in the front fender hard enough that I couldn't hold it. The bike went out from under me and I hit the asphalt. I am ok, "chipped" elbow and a lot of rash. Bike is likely totaled, just makes me sad because I had the "look" just like I wanted it to be.
I understand the whole thing could have been much worse but I am still sad cause I really liked that bike!
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Since the Lord is directing our steps, why try to understand everything that happens along the way.
(paraphrase from Proverbs 20:24)
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bill-jr
Member
Posts: 1047
VRCC # 35094
murfreesboro
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« Reply #1 on: October 15, 2015, 05:24:51 PM » |
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Sorry to hear know the feeling I had my new to me I/s for a week before I went down .... Most of my road rash is gone now .....but hey least your still breathing right ....
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Ever danced with the devil In the pale moon light ?
99' Black tourer
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Bighead
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« Reply #2 on: October 15, 2015, 05:31:05 PM » |
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And there are many Valks out there available. Take the hard to find parts off to put on your next one  before the insurance gets ahold of it. |
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1997 Bumble Bee
1999 Interstate (sold)
2016 Wing
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The emperor has no clothes
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« Reply #3 on: October 15, 2015, 05:31:31 PM » |
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That does suck !  My bikes are like a dear friend. I can only imagine how you feel. But at least you are ok. There are more bikes out there, but only one of you. |
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Rams
Member
Posts: 16684
So many colors to choose from yet so few stand out
Covington, TN
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« Reply #4 on: October 15, 2015, 05:39:53 PM » |
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There is a reason I always cheer for the hunters.
Damn forest rats!!! As was previously said, pull off the parts you want to keep before the insurance guys get hold of it. Sorry about yer bad luck.
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VRCC# 29981
Learning the majority of life's lessons the hard way.
Every trip is an adventure, enjoy it while it lasts.
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wiggydotcom
Member
Posts: 3387
Do Your Best and Miss the Rest!
Yorkville, Illinois
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« Reply #5 on: October 15, 2015, 05:58:45 PM » |
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Sorry to hear about your accident. IF your bike is totaled by the insurance company, DON'T necessarily settle for the first offer.
Secondly, I'm sorry to say pulling all your parts off the bike isn't necessarily the best idea. I've been through two total outs. I just received settlement on a 99 Interstate with 83k miles and got
about 13,8 for a settlement...and can prove it to any doubters.
The key is having good coverage on your aftermarket parts on your insurance policy. I got paid 5 grand JUST for my aftermarket add ons. That didn't include the rare and hard to find items that I did pull off my bike and sold. I got about 1100 for those. In some cases, providing documentation and getting reimbursed dollar for dollar(no depreciation) is the best way to go for the bling.
Good Luck,
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VRCC #10177 VRCCDS #239  |
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Bighead
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« Reply #6 on: October 15, 2015, 07:04:53 PM » |
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Wiggy that may be but some parts are not available anymore so do ya want the bling or the cash?
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1997 Bumble Bee
1999 Interstate (sold)
2016 Wing
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Alien
Member
Posts: 1403
Ride Safe, Be Kind
Earth
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« Reply #7 on: October 15, 2015, 07:29:31 PM » |
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Sorry that happened but glad you're ok. Don't count your Valk out just yet. You'd be surprised how much of a hit these bikes can take.
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wiggydotcom
Member
Posts: 3387
Do Your Best and Miss the Rest!
Yorkville, Illinois
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« Reply #8 on: October 15, 2015, 07:37:49 PM » |
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Wiggy that may be but some parts are not available anymore so do ya want the bling or the cash?
It's a combination of both. For what is still available, use the insurance add-on clause/rider and let the parts go and get full price(if still comparable to replacement cost). For what is unobtainable, I pulled(while telling the adjuster I was going to) and didn't turn those parts in under the clause. I then sold them separately. Some of that stuff was in my classifieds For Sale Post. |
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VRCC #10177 VRCCDS #239 |
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The emperor has no clothes
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« Reply #9 on: October 15, 2015, 07:58:37 PM » |
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Sorry to hear about your accident. IF your bike is totaled by the insurance company, DON'T necessarily settle for the first offer.
Secondly, I'm sorry to say pulling all your parts off the bike isn't necessarily the best idea. I've been through two total outs. I just received settlement on a 99 Interstate with 83k miles and got
about 13,8 for a settlement...and can prove it to any doubters.
The key is having good coverage on your aftermarket parts on your insurance policy. I got paid 5 grand JUST for my aftermarket add ons. That didn't include the rare and hard to find items that I did pull off my bike and sold. I got about 1100 for those. In some cases, providing documentation and getting reimbursed dollar for dollar(no depreciation) is the best way to go for the bling.
Good Luck,
Whoa ! You did good. It's nice to hear of someone not getting raped by an insurance company. This is kind of a personal question but I'm curious how much your insurance costs you. I've been a cheap bastard my whole life. I don't think I've ever even had full coverage on one of my bikes. I would be devastated if I totaled one out.  |
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wiggydotcom
Member
Posts: 3387
Do Your Best and Miss the Rest!
Yorkville, Illinois
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« Reply #10 on: October 15, 2015, 08:21:48 PM » |
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Sorry to hear about your accident. IF your bike is totaled by the insurance company, DON'T necessarily settle for the first offer.
Secondly, I'm sorry to say pulling all your parts off the bike isn't necessarily the best idea. I've been through two total outs. I just received settlement on a 99 Interstate with 83k miles and got
about 13,8 for a settlement...and can prove it to any doubters.
The key is having good coverage on your aftermarket parts on your insurance policy. I got paid 5 grand JUST for my aftermarket add ons. That didn't include the rare and hard to find items that I did pull off my bike and sold. I got about 1100 for those. In some cases, providing documentation and getting reimbursed dollar for dollar(no depreciation) is the best way to go for the bling.
Good Luck,
Whoa ! You did good. It's nice to hear of someone not getting raped by an insurance company. This is kind of a personal question but I'm curious how much your insurance costs you. I've been a cheap bastard my whole life. I don't think I've ever even had full coverage on one of my bikes. I would be devastated if I totaled one out. After having American Family for years and seeing my rates go up and up to the tune of about 460 for my latest quote about a year ago, I switched to Progressive last fall and was paying about 260 for full coverage. That included my 5000 accessories rider. What's strange to me is that hitting a deer was considered comp and shouldn't have raised my rates. When I was quoted on my F6b, I learned my insurance for the upcoming year was going to be over 500. I asked why and was told because the F6b is a bigger bike. I said, "Really? About 300cc bigger makes my rates go up that much?" Needless to say, I'll be shopping around again. I have till next month to compare and choose. |
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VRCC #10177 VRCCDS #239 |
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The emperor has no clothes
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« Reply #11 on: October 15, 2015, 08:31:47 PM » |
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Man, I guess I've got to get off my butt and shop around. I think I pay $250 for 2 bikes with just liability. I would gladly pay your rates. Thanks for the info Wiggy. How you liking the F6B ? I never think to go over to the 1800 chapter. |
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wiggydotcom
Member
Posts: 3387
Do Your Best and Miss the Rest!
Yorkville, Illinois
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« Reply #12 on: October 15, 2015, 08:49:46 PM » |
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Man, I guess I've got to get off my butt and shop around. I think I pay $250 for 2 bikes with just liability. I would gladly pay your rates. Thanks for the info Wiggy. How you liking the F6B ? I never think to go over to the 1800 chapter. Rob, I'll send you a PM as I don't really want to hijack the original intent of the thread any more than I have. |
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VRCC #10177 VRCCDS #239 |
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The emperor has no clothes
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« Reply #13 on: October 15, 2015, 09:03:43 PM » |
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Man, I guess I've got to get off my butt and shop around. I think I pay $250 for 2 bikes with just liability. I would gladly pay your rates. Thanks for the info Wiggy. How you liking the F6B ? I never think to go over to the 1800 chapter. Rob, I'll send you a PM as I don't really want to hijack the original intent of the thread any more than I have. I'm pretty good at hijacking.  |
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