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Motorcycle Insurance Let's list our insurance companies here, what we pay them and if your experience with a certain company has been good or bad.

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post #21 of 41 (permalink) Old 07-06-2016, 08:10 PM Thread Starter
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--Update--
I spoke with one of the service guys today and he said the Tech finished his inspection and said, fortunately for me, that the crash bar wrapped around the down tube before it hit the tank. So it didn't put any side load on that mount bolt and so...NO FRAME DAMAGE!!! Can't tell you how excited I am. Yeah I know they could still try to total. Have to wait for them to finish itemizing and pricing parts so they can finish the estimate and give myself and State Farm the total but I think it's a big hurdle crossed so far. Now fingers crossed that the parts list doesn't get too crazy. Anybody know what percentage of actual value they will pay in Washington state before it's a total?
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post #22 of 41 (permalink) Old 07-06-2016, 10:06 PM
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--Update--
I spoke with one of the service guys today and he said the Tech finished his inspection and said, fortunately for me, that the crash bar wrapped around the down tube before it hit the tank. So it didn't put any side load on that mount bolt and so...NO FRAME DAMAGE!!! Can't tell you how excited I am. Yeah I know they could still try to total. Have to wait for them to finish itemizing and pricing parts so they can finish the estimate and give myself and State Farm the total but I think it's a big hurdle crossed so far. Now fingers crossed that the parts list doesn't get too crazy. Anybody know what percentage of actual value they will pay in Washington state before it's a total?
Great news on the frame if you want to keep the bike. The upper mounting area for the crash bar is the most common area you may see damage. It's a pretty beefy peicee but they will bend if the crash bar is hit hard enough.

I am an appraiser in mass and 80% is a total loss. That being said, I can total it at 60% if there are a lot of "open ended items or question mark items".

Receipts, kind of up to your state, ins co, appraiser and inside adjuster. For me, if the items are obvious I don't need receipts. Ex: exhaust, air cleaner, bars, seats- things that I know are not stock for the bike I am looking at. I will google and search part prices.

Your best friend in this is a good shop/dealer that has a good working relationship with the appraiser.

Hope this helps, if you have more questions and you think I can help PM me.
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post #23 of 41 (permalink) Old 07-07-2016, 08:54 AM
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Originally Posted by MightyWhitey View Post
--Update--
I spoke with one of the service guys today and he said the Tech finished his inspection and said, fortunately for me, that the crash bar wrapped around the down tube before it hit the tank. So it didn't put any side load on that mount bolt and so...NO FRAME DAMAGE!!! Can't tell you how excited I am. Yeah I know they could still try to total. Have to wait for them to finish itemizing and pricing parts so they can finish the estimate and give myself and State Farm the total but I think it's a big hurdle crossed so far. Now fingers crossed that the parts list doesn't get too crazy. Anybody know what percentage of actual value they will pay in Washington state before it's a total?
Went through this last year on another bike of mine that a friend was riding.
Have progressive insurance and they were great to work with. The bike was a total . I did provide receipts for add ons. Even the e-bay one was cool. They don't cover labor on these only the cost of the parts,like an engine mod etc.Strip it if they don't want to pay.
Glad you are walking.
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post #24 of 41 (permalink) Old 07-07-2016, 11:02 AM
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Glad to hear that you are doing OK MightWhitey. The insurance game is a racket, so just be patient and firm about what you think is fair and right. Sometimes it takes a little bit of a fight, but in the end it'll be worth it. Hope you're back on two wheels again real soon!
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post #25 of 41 (permalink) Old 07-07-2016, 08:29 PM Thread Starter
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Thanks for the kind words and advice folks. Shouldn't be long before HD gets done with their parts list and estimate. Either way, I fix or they do, it's going to be many weeks waiting for a fairing and stretched bags to be painted from HD. After reading some of the other threads on here lately...I'm not going to bitch about that.
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post #26 of 41 (permalink) Old 07-07-2016, 10:04 PM
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Man!! if nothing else this thread reminds me to be more diligent on keeping receipts. I have done a lot of small things one at a time, but over time they all add up to a lot of money. Heads here, cams there, tuner here, you know the drill. I have not kept nearly enough records.

Glad your OK though
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post #27 of 41 (permalink) Old 07-07-2016, 10:52 PM Thread Starter
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Yep. Everyone else reading this that doesn't keep receipts, go back and get all of them you can from vendors and even get signed receipts for high price items from forum and Craigslist sales. Never know when it's going to come in handy. I bought a tour pack from a member here for $600 but kept no record of it and I can't remember his name. Maybe it would help get a few hundred more.
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post #28 of 41 (permalink) Old 07-08-2016, 11:06 AM
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Mighty Whitey,
Whose doing the paint? Gene? If so he's a good one. His shop is in Federal Way. Best color match man around, Does a lot of CVO paint.
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post #29 of 41 (permalink) Old 07-09-2016, 05:57 AM Thread Starter
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Haven't gotten that far Woodman. In fact I'm heading in today to light a fire under their butts. What's the name of Gene's shop? Thanks for the heads up.
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post #30 of 41 (permalink) Old 07-09-2016, 07:37 AM
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On May 25th my garage burnt along with my '16 Special. Had 44 miles on odo; never been on the street dyno miles. I was recovering from rotator cuff surgery. SF initially offered $21,088 after $1,000 deductable. When I signed off on the total we were at $26,692 and the $1,000 deductable. Around here no one likes the Progressive people when dealing with a crash, most folks that have had troubles have left them and headed to Dairyland. See ya in Canada on '16 number 2.

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