Bike insurance assessment?

[The Pastor]

Anyone taken there bike to a dealer for insurance assessment? I have done this for the 1st time recently.

They wouldn't let me say anything about the accident, what I thought the damage was etc, they just took the bike and that was it. Took a bit of social engineering to actually get the list of damaged parts out of them too, when i picked the bike up they blankly stated its all with insurance and not to worry.

So i rang up the parts desk the next day and asked them to tell me what they were looking up to price. Seems like they are pricing up a few more parts than I would of said was damaged by the accident....

so i think they are trying to rip off the poor insurance company.

what should i do?

[Mike.Gayner]

Why do you care about the insurance company's wellbeing?

[iYRe]

because a: ripping people off is not good, and B: it makes insurance more expensive.

[R650R]

You obviously haven't made many insurance claims. The ass reaming and robbery is exclusively carried out by the insurance co and their assesors.
Then they will go over the quote with fine tooth comb...

No details about your bike but you'd be surprised how long the list of parts can be to properly restore something to how it was before, bent brackets broken screw mounts etc...

The bike shop don't want to talk so they don't get caught up in a he said, she said, the cow said drama...

[Mike.Gayner]

because a: ripping people off is not good, and B: it makes insurance more expensive.

The insurance co will be screwing the shop down on margins big time. Have no sympathy for insurance companies. Ever.

[Mike.Gayner]

The bike shop don't want to talk so they don't get caught up in a he said, she said, the cow said drama...

That is correct, the shop's business is with the insurance company, not the bike's owner.

[skippa1]

Anyone taken there bike to a dealer for insurance assessment? I have done this for the 1st time recently.

They wouldn't let me say anything about the accident, what I thought the damage was etc, they just took the bike and that was it. Took a bit of social engineering to actually get the list of damaged parts out of them too, when i picked the bike up they blankly stated its all with insurance and not to worry.

So i rang up the parts desk the next day and asked them to tell me what they were looking up to price. Seems like they are pricing up a few more parts than I would of said was damaged by the accident....

so i think they are trying to rip off the poor insurance company.

what should i do?
Their brief is to price to get back to un damaged state. A scratch is damage. What we would put up with is not what they see as acceptable

[FJRider]

It would take an experienced mechanic or assessor to know what damage (or probable/possible but not necessarily obvious damage) "May" have occurred to various parts.

[Gremlin]

Their brief is to price to get back to un damaged state. A scratch is damage. What we would put up with is not what they see as acceptable
Yeup... adds up real fast too...

[Tazz]

Scratched or not, it happens. There are plenty of morally questionable people out there, although after the EQ BULLSHIT for the last 4 years I have little respect for insurance companies even on that level.

If you don't have detailed pictures of your bike, just forget about it and add it to your list of life experiences.

[awayatc]

If bike gets repaired shoddily,

please complain to all and sundry

if bike gets repaired to A1 condition,

Say big thank you to bike shop for being good at their job...

(Knowing their trade AND knowing how to get what YOU need from the insurers)

[The Pastor]

Their brief is to price to get back to un damaged state. A scratch is damage. What we would put up with is not what they see as acceptable

actually im pretty sure its to get it back to pre accident condition.

How they can assess what was pre accident and what was existing damage with out asking some basic questions - where was the accident (LHS or RHS) what speed it was etc etc boggles my mind, did the bike fall over etc etc.

[The Pastor]

If you don't have detailed pictures of your bike, just forget about it and add it to your list of life experiences.

Thats why you take it in for an insurance assessment, they take all the photos for you.

[The Pastor]

It would take an experienced mechanic or assessor to know what damage (or probable/possible but not necessarily obvious damage) "May" have occurred to various parts.

Thats why the assessments costs $200

[The Pastor]

You obviously haven't made many insurance claims. The ass reaming and robbery is exclusively carried out by the insurance co and their assesors.
Then they will go over the quote with fine tooth comb...

No details about your bike but you'd be surprised how long the list of parts can be to properly restore something to how it was before, bent brackets broken screw mounts etc...

The bike shop don't want to talk so they don't get caught up in a he said, she said, the cow said drama...

No I havnt. Never really had insurance. Still dont >_>

[skippa1]

actually im pretty sure its to get it back to pre accident condition.

How they can assess what was pre accident and what was existing damage with out asking some basic questions - where was the accident (LHS or RHS) what speed it was etc etc boggles my mind, did the bike fall over etc etc.
Actually....nah. I wrote off my speed triple and anything that was damaged even a scratch was earmarked as needing repair or replacement......the shop got to $23k of parts....without labour(hence writing it off)

had a scratch on the swing arm....they wrote the swing arm off as they deemed it as structural damage.

bike now races in nelson

[danchop]

the bike shop prices all and anything,its the accessor who should be knowledgable enough to work out whats been damaged previous and whats current....sometimes you the bike owner are lucky and sometimes your not

[pritch]

Still can't decide whether Renegade Master oops I mean Pastor is just trolling but...

A few years back my bike was knocked over in the garage at work. I had a quick look in the limited light available and thought I'd escaped lightly. I rode it straight to the bike shop and he was immediately talking five thousand dollars plus or minus. Ducati parts add up really quick. I left them the bike and they did their costings.

The bike was mint before the bump and mint after the repairs and nobody was robbed. Which in my experience with insurance companies was a first. On the few occasions I have claimed for anything previously I have always ended up feeling that I'd been screwed over. On this occasion it was the woman driver's insurance company that were footing the bill, but it was my insurance company the bike shop were dealing with.

[The Pastor]

yeah well in this case, I don't have insurance, and the guy who hit me isn't going to claim insurance, cos he thinks hes not at fault. All fine and well, just means I now have to go to disputes tribunal. Dunno why he doesn't want to go through insurance tho... (ive tried like 3 times, cant do anything without him lodging claim which is a little bit BS)

I've also laid a complaint with the police, I think it will help establish fault in court? Its going to be very hard for this guy to claim im at fault for this one haha. At the very least he'll get a failing to giveway or unsafe lane change ticket.

Despite him being bit of a pillock i'm not going to try and rip him off, i'll take the list of parts and minus the things that I know he didnt damage. The front mudgard for example, is sitting in my bedroom.....

[Tazz]

Thats why you take it in for an insurance assessment, they take all the photos for you.

So you're trusting the people you think are ripping an insurance company off to take pictures of your bike that could incriminate them if they are replacing parts that don't need to be replaced...

[The Pastor]

So you're trusting the people you think are ripping an insurance company off to take pictures of your bike that could incriminate them if they are replacing parts that don't need to be replaced...

yeah, I tend to trust professionals to do an honest job. Why would i not trust them?

[Tazz]

yeah, I tend to trust professionals to do an honest job. Why would i not trust them?

You tell me. You started out by saying you didn't trust them.

It's pretty clear now that any extras they have added are idiot tax. Fingers crossed you're sterile.

[awayatc]

remember renegade master....?

he got reincarnated.....

pastorised as it were....

[The Pastor]

You tell me. You started out by saying you didn't trust them.

It's pretty clear now that any extras they have added are idiot tax. Fingers crossed you're sterile.

its not a matter of trust, simply what they have and haven't done. In my view they have tried it on. I'm asking if this is normal practice, and the answer is yes, yes it is >_>.

[R650R]

Still can't decide whether Renegade Master oops I mean Pastor is just trolling but...

A few years back my bike was knocked over in the garage at work. I had a quick look in the limited light available and thought I'd escaped lightly. I rode it straight to the bike shop and he was immediately talking five thousand dollars plus or minus. Ducati parts add up really quick.

When some muppet at Akld depo mistook my GSXR for a white line and backed an Izuzu truck into it, the damage totalled about $4k. All cosmetic, same as if fell of stand etc but harder!
Front headlights, front sub frame, front fairing, tail fiaring left side, rear light assembly. Rode it back to Hastings on start of holiday and got local shop to fix it.

[The Reibz]

I don't have insurance, and the guy who hit me isn't going to claim insurance, cos he thinks hes not at fault

Your fucked. Nothing else need be said

[Ender EnZed]

yeah, I tend to trust professionals to do an honest job. Why would i not trust them?

You've been around these parts fucking years. You have a solid bike shop by now? Right?

[The Pastor]

You've been around these parts fucking years. You have a solid bike shop by now? Right?

I know all the bike shops pretty well in auckland. Or at least I thought I did.

[The Pastor]

Your fucked. Nothing else need be said

why? I'm not stuffed at all. Just takes time to get the money.

Bike is still 100% rideable. Kinda glad its not going through insurance tbh, dont have to worry about insurance stealing my bike, then trying to sell it back to me.

[pritch]

why? I'm not stuffed at all. Just takes time to get the money.


I admire your optimism. Your realism, however, may be somewhat lacking?

[The Pastor]

I admire your optimism. Your realism, however, may be somewhat lacking?

yeah. Time will tell i guess.