audial
Registered
Ok fellow busa-teers i need some advice. After getting intentionally run off the road 2 weeks ago and just about fully recovered I now have to deal with my insurance company about the bike. Since I was run off the road and the f#cker took off the police only have the tag number of a vehicle matching the description that was found about 2 minutes after the accident parked about 2 miles down the road. Good thing is even though I cant remember what happened the right front side of my fender is cracked and there are rubber marks where one of his tires obviously made contact. Now I have to let the police investigator do his part. In the meantime until the other driver is found and officially charged my insurance company (Geico) will fix my bike since I have full coverage.
Damage to the bike is front nose, windshield, t/s light, front fender, left fork tube, mirror, clutch lever, clipon, entire left fairing, frame slider, stator cover, left rearset, rear body. I haven’t priced everything out yet but I’m estimating about $3000 (just parts) and that’s not including my dinged PM wheels ($2600) and oil soaked PP’s.
Also, since the bike went down on the left side and shattered the stator cover, do you guys think the engine was shut down by the tip sensor before it lost all the oil, or did it lose the oil and the oil pressure switch shut it down? In either case, the bike slid for a good 100 feet on a busted stator cover and my concern is that grit and dirt got into the engine. Should I push for an engine teardown for inspection?
With all that said I have been told that the insurance company may just total the bike if the repairs are within 15% of the bikes value. NADA lists the value at $6300 retail. I have $12,000 in the bike so if they total it does that mean they hand me $6000, take my bike, and leave me dry f#cked up the @ss?
Also, I do all my own work on my bikes as I have for 20 years and I prefer to be the one that fixes it. Do you think the insurance company will give me crap about that? Has anyone had dealings with Geico?
Any advice or experiences greatly appreciated?
Damage to the bike is front nose, windshield, t/s light, front fender, left fork tube, mirror, clutch lever, clipon, entire left fairing, frame slider, stator cover, left rearset, rear body. I haven’t priced everything out yet but I’m estimating about $3000 (just parts) and that’s not including my dinged PM wheels ($2600) and oil soaked PP’s.
Also, since the bike went down on the left side and shattered the stator cover, do you guys think the engine was shut down by the tip sensor before it lost all the oil, or did it lose the oil and the oil pressure switch shut it down? In either case, the bike slid for a good 100 feet on a busted stator cover and my concern is that grit and dirt got into the engine. Should I push for an engine teardown for inspection?
With all that said I have been told that the insurance company may just total the bike if the repairs are within 15% of the bikes value. NADA lists the value at $6300 retail. I have $12,000 in the bike so if they total it does that mean they hand me $6000, take my bike, and leave me dry f#cked up the @ss?
Also, I do all my own work on my bikes as I have for 20 years and I prefer to be the one that fixes it. Do you think the insurance company will give me crap about that? Has anyone had dealings with Geico?
Any advice or experiences greatly appreciated?