My poor bike

[HEsch]

Went to work, parked in my usual spot in the street opposite work (dedicated motorbike parking).
Came out to swan off early to a (birthday) lunch, bike felt a little strange but off I tried to set [lunch was calling!]

Errrrrr, wrong answer. Bike stalled. Huh? Looked at it and realise there's damage. Look closer. More damage. Cancel lunch. Call ins. co, roadside assist for a tow truck, etc. Hopefully just knocked over, right, and needs a couple of new levers.

The biker who owned the one parked next to me comes up while all this palaver is going on. He arrived not too long before I tried to leave for lunch, my bike and scooter were both on the ground so he picked them up (he didn't know what happened although thought it was weird the bikes were 'together' ie hadn't both fallen the same direction).

We look closer and find much more damage - looks like knocked over then run over. The whole front of the bike is out of whack, handlebars over an inch off centre, rim scratched, brake disc bent and broken, on top of all levers and pegs bent/broken, etc. Of course, there's no note, no nothing. Ring the cops to see if any CCTV footage covers the area and can help identify the perp. Talk to local shop owners in case they have security cameras (nope). Tow truck comes, bike won't even roll to go up the ramp, so gets dragged up (poor Suzi :bye::bye::bye: ).

Do a little digging (it really pays to know people) and found out late last night that it was a concrete truck. It must have come round the corner, clipped my bike, then run over her, and clipped the scooter on his way through. Didn't feel a thing, didn't realise - but at least I can go after the guy/company so I don't have to foot the insurance excess.

What are my chances she gets written off rather than repaired?

[Jeeper]

Happy birthday. Or perhaps, not so happy after that.

If the repair costs to get it back to its pre-accident condition are high enough, it will be economic write-off. Anywhere around 2/3rd is mostly in that territory.

Have it taken to a proper shop (dealer, if you are under warranty) and let them itemise everything, including accessories damaged. You'll be surprised how quickly it adds up. Any frame damage? Twisted forks? Seat torn? A good shop that notes everything is going to help you.

[HEsch]

It's gone to Holeshot (which was organised by insurance/roadside assist). 2017 Suzuki SV650, less than a year old :facepalm:

Tow truck dragged it onto the truck and shop had to remove callipers to get it off the truck :eek5: Looked like only front end damage, but I will be pushing for write off. My helmet was in the top box so that's had a fair jolt as well and will be added to the claim.

[BMWST?]

A "concrete truck" is not a very good description.I hope you have at least a company name.Good luck

[Scubbo]

dude that sucks!

[jasonu]

Went to work, parked in my usual spot in the street opposite work (dedicated motorbike parking).
Came out to swan off early to a (birthday) lunch, bike felt a little strange but off I tried to set [lunch was calling!]

Errrrrr, wrong answer. Bike stalled. Huh? Looked at it and realise there's damage. Look closer. More damage. Cancel lunch. Call ins. co, roadside assist for a tow truck, etc. Hopefully just knocked over, right, and needs a couple of new levers.

The biker who owned the one parked next to me comes up while all this palaver is going on. He arrived not too long before I tried to leave for lunch, my bike and scooter were both on the ground so he picked them up (he didn't know what happened although thought it was weird the bikes were 'together' ie hadn't both fallen the same direction).

We look closer and find much more damage - looks like knocked over then run over. The whole front of the bike is out of whack, handlebars over an inch off centre, rim scratched, brake disc bent and broken, on top of all levers and pegs bent/broken, etc. Of course, there's no note, no nothing. Ring the cops to see if any CCTV footage covers the area and can help identify the perp. Talk to local shop owners in case they have security cameras (nope). Tow truck comes, bike won't even roll to go up the ramp, so gets dragged up (poor Suzi :bye::bye::bye: ).

Do a little digging (it really pays to know people) and found out late last night that it was a concrete truck. It must have come round the corner, clipped my bike, then run over her, and clipped the scooter on his way through. Didn't feel a thing, didn't realise - but at least I can go after the guy/company so I don't have to foot the insurance excess.

What are my chances she gets written off rather than repaired?

Sounds like it is fucked. Better you get it written off, they are never the same after a bash like that.

[Jeeper]

Being less than a year old, ask for it to be repaired back to new condition. It is basically new. I would ask for it to be written off as repair would devalue it unless damage was just superficial and cosmetic.

[caspernz]

Sorry to hear your sad news. :argh:

As has been said before, if it's written off and replaced with new, that's likely best outcome.

[actungbaby]

Went to work, parked in my usual spot in the street opposite work (dedicated motorbike parking).
Came out to swan off early to a (birthday) lunch, bike felt a little strange but off I tried to set [lunch was calling!]

Errrrrr, wrong answer. Bike stalled. Huh? Looked at it and realise there's damage. Look closer. More damage. Cancel lunch. Call ins. co, roadside assist for a tow truck, etc. Hopefully just knocked over, right, and needs a couple of new levers.

The biker who owned the one parked next to me comes up while all this palaver is going on. He arrived not too long before I tried to leave for lunch, my bike and scooter were both on the ground so he picked them up (he didn't know what happened although thought it was weird the bikes were 'together' ie hadn't both fallen the same direction).

We look closer and find much more damage - looks like knocked over then run over. The whole front of the bike is out of whack, handlebars over an inch off centre, rim scratched, brake disc bent and broken, on top of all levers and pegs bent/broken, etc. Of course, there's no note, no nothing. Ring the cops to see if any CCTV footage covers the area and can help identify the perp. Talk to local shop owners in case they have security cameras (nope). Tow truck comes, bike won't even roll to go up the ramp, so gets dragged up (poor Suzi :bye::bye::bye: ).

Do a little digging (it really pays to know people) and found out late last night that it was a concrete truck. It must have come round the corner, clipped my bike, then run over her, and clipped the scooter on his way through. Didn't feel a thing, didn't realise - but at least I can go after the guy/company so I don't have to foot the insurance excess.

What are my chances she gets written off rather than repaired?

all depends on the insurance assement guy they send to look at the bike.

All on the price of parts expensive plastics . but more the labour.
So thats why i brought accident bikes of tradme . non them have been insurance write offs though . way i look at other than frame been slighty out of whack . normally not actually broken esp with spar alloy frames like battle ships.

back in 1981 bike shop asked me weather i wanted it written of. well not sure they where more saying if it was a option . or just letting me know why it was . be good they offred you the bike . if was written off . but after they pay out its there bike.
Anyways be good to have a new bike after . i found you soon get to love the new one its just a machine after all . its good to have new bike your get to exp something diffrent.

you chould always all ways buy it back . but its a bit early to worry about it.
Just see what they say. i imagine it should be a quick enough descion.i had a pay out and another bike in a month i was on my new bike.might been quicker cant remember . maybe 2 weeks.

alot bikes end up on the turners site either on tradme or i visted they yards to see what bikes they have locally . that guy on tm star sells bikes de regestred and his go for better prices.and he lists
more whats needed good pics etc.

In any case i thought your bike shop if its there or insurance branch they used to have sites to store bikes cars . before assesment . Know a days proberly a tow truck yard again secure (very) so no worries there . storage cost isnt your resbonsablity thats down to insurance company thats why u pay the big premums . so dont worry well try not too. to much . to others your clothing and helmet are covered too. my father was aloowed to view my bike so i assume . well no u have ever right to view your own bike as you legally own it. as you can view its still in same condtion it was when you saw it last. get any personall proberty .key rings even . or house keys.

Anyways my first call be to your insurance company better still go vist them. they will hunt down any
way they can recover there money so leave up to them to track down the company . no harm in you knowing in case they talk the excess . i guess some are always set . but as the bike was clearly damaged when was parked id be qwestioning that too. anyways talk first to the company .
it should be all hassle free for you anyways i cant see being a issue.
They want your biz with the new bike in anycase .

[FJRider]

What are my chances she gets written off rather than repaired?

It usually depends on your insurance policy. If it was for an agreed value ... that's what you'll get. If no agreed value was set (in writing) ... it will depend on the estimated cost to repair by the assessor. Usually ... about two thirds of the bikes value is the maximum they will pay for repairs. If the assessment for repairs is more than that ... the bike is written off. They then (usually) pay you the bikes insured value less the excess.

READ YOUR POLICY and/or contact your insurance Coy to confirm where you stand. I am surprised you haven't done that already.

[actungbaby]

[QUOTE=HEsch;1131083679]Went to work, parked in my usual spot in the street opposite work (dedicated motorbike parking).
Came out to swan off early to a (birthday) lunch, bike felt a little strange but off I tried to set [lunch was calling!]

to make it real clear.

what i whould do is get a father mother friend . anyone who knows has the experice. to act as a agent on your behalf. to ring on your behalf.

they can read your contract do all the talking you whould only have to agree the final terms .

two examples my bike claim my father did all the talking when it was my bike claim . in the 80,s i just did what he said to do to the letter. what to say.

few years ago i did the same for him. insurance claim on his house. i rang did the claim over the phone . the claim was over replacing the guttering. it was to stolen . few mins to but the claim in . then guy they got to replace the item rang . offered me two options . replace with the same . copper. or option going with colour steel . and he drop the excess . i chould of being dads agent just said okay go with the steel . i said that sounds good. but then i just said i go ask my father . first he agreed so just rang back and said yes . all done.

So its just up to you . you can get advice deal with it or get someone to do it all for you. your agent is just flash term for a freind family member who has the knowlede to deal easily with the claim.

two examples , my bike claim ,my father did all the talking when it was my bike claim . in the 80,s i just did what he said to do to the letter. what to say.

few years ago i did the same for him. insurance claim on his house. i rang did the claim over the phone . the claim was over replacing the guttering. it was to stolen . few mins to but the claim in . then guy they got to replace the item rang . offered me two options . replace with the same . copper. or option going with colour steel . and he drop the excess . i chould of being dads agent just said okay go with the steel . i said that sounds good. but then i just said i go ask my father . first he agreed so just rang back and said yes . all done.

So its just up to you . you can get advice deal with it or get someone to do it all for you. your agent is just flash term for a freind ,family member who has the knowlege to deal easily with the claim.

Like fj rider said agreed value or replacement in both my examples one was agreed value my bike was agreed value of 3,100 that was the bikes new price i paid . and waht i covered for . normally the pay out what the price you get if you had sold it on market value. unless its full replacement .
then its what it cost to go to bike shop and get like for like . or if its not avaible a direct and fair replacement ie a honda 500 for a honda 500 curently avaiable new .

His claim was relacement value for the items inside the house and the outside contents covers the extra ,s if you like .

With my second hand scotter I insrure it for 1,200 athough i paid 750.00 for it because thats what i think its worth . athough they can pay what they think is market value at the time .
I get this poilcy as its cheaper . i chould set the value at 750.00 as thats what it cost me insurance per year be slighty cheaper. you can get a quote on each value and work out whats best for you.
I personally think my bike worth more than 750.00 thats why i insure it for more . but again thats just opion on my behave not what the insrance company will pay out. unless they agree thats right.

I never had any hassle and should be plain sailing theres nothing here complicated. and poilcys know days are very easy to read and understand.

You sound Like a clear thinking sound judgement the rest is taking your time thinking things over never rush .your be fine what do you want from this. then go from there.

[nerrrd]

...Tow truck comes, bike won't even roll to go up the ramp, so gets dragged up (poor Suzi :bye::bye::bye: )...a concrete truck. It must have come round the corner, clipped my bike, then run over her...

Oh the humanity :( sounds like a write off might be the best result (depending on compensation of course)

[AllanB]

Who is your insurance policy with? The Vero Golightly one replaces the bike if under 12 months. And from your description it would be a given under that policy.

[HEsch]

To be clearer, I have contacted insurance, so there's no concern there. Bike is fully insured with Star (via KiwiBike), I spoke with them who said it is easier if written off as they can have the payout sorted within a week, quicker than waiting for repairs.

I have someone looking into the CCTV footage (in case there is anything that can show what happened/prove who did it), I do have to file a police report 'for the record'. Another contact is getting the concrete/construction company name on Monday (sheer luck to know people who know people, else I would not have had any leads on the possible perp).

Bike was towed to Holeshot for assessment, also Monday (I rang today and left them more info ie run over by a truck - a big difference to being knocked over or hit by a car). They noted they had to remove the callipers to unload it off the truck as it wouldn't roll. I noted I'd be very happy to see it written off should damage be suitably significant.

This only happened early Friday afternoon so Monday is perfectly reasonable. It's a long/extra long weekend, I don't expect anything to happen in a hurry. Hence coming here, this is the first major prang any of my vehicles are in, plus its my first bike, I don't know how likely it is to be written off so wanted to see what the hive mind thought. I don't know what repairs can be so don't have a feel for whether it is significant enough to write off.

My contact has already noted that the company will be sorting the excess so I'll let the insurers play the blame/money game. I do have a halved excess (500 instead of 1000) because I completed a RideForever course AND told the ins. co. about it, which would really help if *I* end up footing the excess bill for some reason.

Policy has the same 12-month replacement clause noted above, however, I may just be out of luck depending on exactly when first registered (I bought it in March 17 but it was registered before that).


All in all, pretty shit birthday. Missed my lunch AND my bike is screwed. But if I get a new one it'll be a good replacement birthday present, ha!

[AllanB]

There may have been several concrete trucks and the one that hit your bike may have been driving under pressure to keep up with the group. <_<

[actungbaby]

This is what i mean u dont give them a hint of or whiff of that . u need to have somone if the start down that road thats bs u payed for replacement thats what you expect . its not your job to hunt down the company or the driver . just a mistake all make them . your insurance company wont have to pay a cent dont let them of the hook get a new bike.
I be saying look am not taking it back replace know . not next week.
They make millions each year for doing knowing. in the 70 percent of policys.

You should have a loaner bike . no way i but up with this.

Yo have to be firm with "what u not expect " What U want . know not in a few days weeks.

Policy has the same 12-month replacement clause noted above, however, I may just be out of luck depending on exactly when first registered (I bought it in March 17 but it was registered before that).


All in all, pretty shit birthday. Missed my lunch AND my bike is screwed. But if I get a new one it'll be a good replacement birthday present, ha![/QUOTE]

[actungbaby]

[QUOTE=HEsch;1131083770]To be clearer, I have contacted insurance, so there's no concern there. Bike is fully insured with Star (via KiwiBike), I

There will be if you let them there all the same. put your foot down.

Star the guy that list loads on trademe cars too he had theat lambo going cheap that was real munted . bikes most them are front end damaged.

I looked buying de reg bikes of him there all are . a cbr 900rr he got shitty i made opssie moment didnt have the money there and then so he like dont waste my time. so dont let him waste yours i got another accident damaged fireblade down south .

I understand where your coming from i do the same go through all the senerios.thats a good thing
To be prepared but dont stress to much like i say i never had a issue and i had 3 claims .in the 80,s none since touch wood.

[OddDuck]

HEsch: yep, that sucks. Sympathies, hope your situation gets sorted out soon. I can't offer an opinion on written off / repaired unfortunately.

[HEsch]

From what the shop says, not a write off. I don't know if the shop have included absolutely everything that got damaged (it has never been in another incident so all scrapes and gashes are from Friday) so that's the next thing to make sure of.

No footage from cops yet but I will go to the station to file the report 'for the record'.

Will contact insurance today to get an update on the process, everything is slow due to extra long weekend.

[Jeff Sichoe]

If it's your primary mode of transport then that will impact the decision, as repairing could take ages if parts are hard to find, or have to be brought in from overseas

good luck!

[actungbaby]

Who is your insurance policy with? The Vero Golightly one replaces the bike if under 12 months. And from your description it would be a given under that policy.

Thamk you Alan full stop the end.

[actungbaby]

[QUOTE=HEsch;1131084289]From what the shop says, not a write off. I don't know if the shop have included absolutely everything that got damaged (it has never been in another incident so all scrapes and gashes are from Friday) so that's the next thing to make sure of.

No it isint they cant prove it wasint dont give it a second thought honestly this is dam silly . again if its replacement poilcy whats all this nonsecne in aid of .
even if it was to be repaired its still nonsence dreamt up by a pen pusher.
you going repaint a tank u repaint the tank u dont stuff about .
Okay they repace plastic abs pannels they can be welded sanded and repainted but again thats there choice. most bikes written of and all you need to do strip all the plastic of . like i did and ride the bike . looks ugly as hell but who cares .

I dad did a claim for me helmet (they said it needed testing "ignored"
i knew u have to destory to test, even at that age . next .
i was riding In dad s best suit " neither confirm or deny " suitable torn in place,s dads are the best he wasint going see his son screwd by the company . i been having real issues with the speedo , had it looked at by expert gauge
man i crashed the bike damaged it. just still wasint perfect. dad inspects the bike . gets a rock . fill in the blanks .... did i tell them speedo was wavering nope did it cause the crash nope . some old guy in car did that for me.
did i think last bit was right not really . if i know his plan i said no dad leave it. whould i claim on the suit if i was in the same . sitwation. no i whould not its not in my make up . am too honest . i even told the cop i was doing 70lph in a 50 kph zone . well i said i was going a bit faster than 50kph . he was okay . he chould see i was in shock , i think wof was slighty out as well bike shop ignored it . and its didnt effect the outcome in any way . i had no time to reaact. it was like , see the car in my path 1.2 bang.

If was draged up on tow truck i be like Fuck off whith that shit . u send a van or u can get knoted dude. after all its your properity . am prepared to give me a hand getting on the truck fine . and lying it down on its side also fine.but cant satnd lazy atttitides.

example i brought my main bike was more damaged than yours . and arranged transport down here . had some cool vol from kiwibiker . took there time for a complete stanger me arranged to meet . saw the damaged bike it was a mess . of broken fairings , wreaked front end . whould not wheel .
. like only Only the driver .whould been impossible .
Not companys vault the drive was not suited to get a high wide truck down.

my vol chould just said to hell with jam it in all sweet. but no they made sure it was looked after.
Even emailed me and said what time it left and all went well amazing.

Thanks guys . know some unpaid Ametuers can do that . Motorclye insurance companys better get they act toghter .

This is mainly for people might read your message get the wrong idea . whats involved. not to get at you at all after all you do what u want to do . and if thats important to you that only the damage is repaired that was done in this accident all power to you . i problerly do the same .
Just pointing out : you dont have to its your choice. but if the office lady says hay can you go check the bike . you can go cause your chance to see it but . just go nope tick the box . i whould think , its not even a box . to be honest.
The Insurance Assement Guy go down look the sheet done by the bike shop look bottom price .
And go yes no . to write of box done. he not going see the rusty scrape on the exhust pipe .

[HEsch]

I can't really follow your logic.

At this point, from what the shop have said verbally, it doesn't look like damage is significant enough to write off.
I'm going to make sure they have included every single damaged part for replacement. If they don't, 1) my bike's not being put back to the condition it was in on Friday morning 2) it might not get written off, it might get repaired (damage not significant enough). The replacement policy is for total or constructive total loss - not half of total loss - my interest is in making sure the items needing repair push the value up to constructive total loss.

I'm not going to let them leave stuff out of the claim.

[jasonu]

From what the shop says, not a write off. I don't know if the shop have included absolutely everything that got damaged (it has never been in another incident so all scrapes and gashes are from Friday) so that's the next thing to make sure of.

No footage from cops yet but I will go to the station to file the report 'for the record'.

Will contact insurance today to get an update on the process, everything is slow due to extra long weekend.

After a bash like that it will never be the same.

[jasonu]

[QUOTE=HEsch;1131084289]From what the shop says, not a write off. I don't know if the shop have included absolutely everything that got damaged (it has never been in another incident so all scrapes and gashes are from Friday) so that's the next thing to make sure of.

No it isint they cant prove it wasint dont give it a second thought honestly this is dam silly . again if its replacement poilcy whats all this nonsecne in aid of .
even if it was to be repaired its still nonsence dreamt up by a pen pusher.
you going repaint a tank u repaint the tank u dont stuff about .
Okay they repace plastic abs pannels they can be welded sanded and repainted but again thats there choice. most bikes written of and all you need to do strip all the plastic of . like i did and ride the bike . looks ugly as hell but who cares .

I dad did a claim for me helmet (they said it needed testing "ignored"
i knew u have to destory to test, even at that age . next .
i was riding In dad s best suit " neither confirm or deny " suitable torn in place,s dads are the best he wasint going see his son screwd by the company . i been having real issues with the speedo , had it looked at by expert gauge
man i crashed the bike damaged it. just still wasint perfect. dad inspects the bike . gets a rock . fill in the blanks .... did i tell them speedo was wavering nope did it cause the crash nope . some old guy in car did that for me.
did i think last bit was right not really . if i know his plan i said no dad leave it. whould i claim on the suit if i was in the same . sitwation. no i whould not its not in my make up . am too honest . i even told the cop i was doing 70lph in a 50 kph zone . well i said i was going a bit faster than 50kph . he was okay . he chould see i was in shock , i think wof was slighty out as well bike shop ignored it . and its didnt effect the outcome in any way . i had no time to reaact. it was like , see the car in my path 1.2 bang.

If was draged up on tow truck i be like Fuck off whith that shit . u send a van or u can get knoted dude. after all its your properity . am prepared to give me a hand getting on the truck fine . and lying it down on its side also fine.but cant satnd lazy atttitides.

example i brought my main bike was more damaged than yours . and arranged transport down here . had some cool vol from kiwibiker . took there time for a complete stanger me arranged to meet . saw the damaged bike it was a mess . of broken fairings , wreaked front end . whould not wheel .
. like only Only the driver .whould been impossible .
Not companys vault the drive was not suited to get a high wide truck down.

my vol chould just said to hell with jam it in all sweet. but no they made sure it was looked after.
Even emailed me and said what time it left and all went well amazing.

Thanks guys . know some unpaid Ametuers can do that . Motorclye insurance companys better get they act toghter .

This is mainly for people might read your message get the wrong idea . whats involved. not to get at you at all after all you do what u want to do . and if thats important to you that only the damage is repaired that was done in this accident all power to you . i problerly do the same .
Just pointing out : you dont have to its your choice. but if the office lady says hay can you go check the bike . you can go cause your chance to see it but . just go nope tick the box . i whould think , its not even a box . to be honest.
The Insurance Assement Guy go down look the sheet done by the bike shop look bottom price .
And go yes no . to write of box done. he not going see the rusty scrape on the exhust pipe .

What the fuck are you on about?

[robajs]

well... I drive a concrete truck down in darfield and my truck can weigh up to 26 tonne when full
so if the bike shop has not stripped the bike right down and checked that the frame is true you have the right to insist that it is done with a written report as without this your resale value would be compromised. the cost of this may nudge the cost of repair over the threshold.
if you are not happy with the repair work done you have the right not to accept the bike back until you are happy with it..... some bike shops are not all that interested in doing an in depth examination as they don't really re coup their costs.
the ball is in your court....you may need to unleash your inner pit bull.
best of luck .rob.

[rastuscat]

Interesting to note that the English language hasn't made it to this thread yet.

[HEsch]

[QUOTE=actungbaby;1131084300]

What the fuck are you on about?

I wondered the same thing.

[HEsch]

well... I drive a concrete truck down in darfield and my truck can weigh up to 26 tonne when full
so if the bike shop has not stripped the bike right down and checked that the frame is true you have the right to insist that it is done with a written report as without this your resale value would be compromised. the cost of this may nudge the cost of repair over the threshold.
if you are not happy with the repair work done you have the right not to accept the bike back until you are happy with it..... some bike shops are not all that interested in doing an in depth examination as they don't really re coup their costs.
the ball is in your court....you may need to unleash your inner pit bull.
best of luck .rob.

Thanks Rob. I'll be a nice pitbull unless I really need them to listen... I worked in insurance for a bit so I know how it goes - if you abuse the assessors/staff, they're less likely to want to find a positive outcome for you. To be fair the assessor who has my claim seemed very on to it when I spoke to him yesterday (he was surprised the shop was even suggesting it was repairable).
Certainly no complaints about conversations with insurance staff so far!

Going to ring the shop today for an update and see what's able to be put on paper.

[actungbaby]

[QUOTE=jasonu;1131084339]

I wondered the same thing.

Well if you want be a dick about it . i wonder what the fuck you think your

Doing you dont seem to have a clue how to go about a claim you letting them lead you around.

I chould say whats going on , is typical insurance company . well No .

My company just sorted it . and i had new bike in 2 weeks . good god man sounds like bs to me . its not a write of why where you dribbling on about it then.

all your saying doesint add up one bit . the bike shop should be pricing the parts . and most of it is labour as well . i chould look at it , in 30 mins see if it was a write off or not .

Take a look star auctions on trademe he has even got a parts list. buts its the bike shop time to put back toghter. so your never going work that out by yourself.

and again why are you its not your job .

IF it was my bike i know i have it sorted by know.

My idea of a replacemnt poilcy is just that with it stolen they replace like for like.
I see damaged as the same thing . i whould not aacept a damaged playstion i whould have a new one. same for a Motorcycle. not this Over 50 % damaged bs
IF the replacemnt policy is the same as the general one whats the extra premium for. just a waste of money .

[Jeff Sichoe]

no one was having a go at your opinion it was the manner it which it was presented which was being made fun of.

seriously man just work on your paragraphs and simple formatting and you'll go a long way.

try chrome. opera or whatever you're using is obviously not helping

cheers

[HEsch]

no one was having a go at your opinion it was the manner it which it was presented which was being made fun of.

seriously man just work on your paragraphs and simple formatting and you'll go a long way.

try chrome. opera or whatever you're using is obviously not helping

cheers

Yup. Couldn't make sense of some of the information as presented. Have worked in insurance so no worries about the logistics of submitting a claim or dealing with the insurance company. No concern with timeframes or ensuring I get what my policy covers and I have paid for.
I was more interested in experiences with damaged bikes, which is new for me. Haven't even had to go through this with a car, but have a better idea of costs for repairs on those.

[Jeff Sichoe]

back on the horse yet?

[HEsch]

Still waiting for a decision from insurance. Quote for repair was only sent to them yesterday (f knows what the shop were waiting for). My insistence on ensuring the frame is checked properly to prove it is straight may push it into write-off territory, rather than repair.

Then we have semantics about whether it was "new" or "second hand" (apparently a demo is not new) and thus the cover being for market value not agreed (and paid for) value. But should work out.

Still haven't tracked down the asshole who ran it over, either.

[jasonu]

Still waiting for a decision from insurance. Quote for repair was only sent to them yesterday (f knows what the shop were waiting for). My insistence on ensuring the frame is checked properly to prove it is straight may push it into write-off territory, rather than repair.

Then we have semantics about whether it was "new" or "second hand" (apparently a demo is not new) and thus the cover being for market value not agreed (and paid for) value. But should work out.

Still haven't tracked down the asshole who ran it over, either.

Sounds like the shop is dragging its feet and the insurance cunts are starting to try to squirm out of it. Be ready for some low ball bullshit from them.

[awayatc]

Well if you want be a dick about it . i wonder what the fuck you think your



Your post is chaotic and incoherent.
Most people seem to polite to point that out to you....

[HEsch]

Total loss. Covered to purchase price.

Well done, Star.

Also got name of truck company.

'Tis a good day.

[Jeeper]

Total loss. Covered to purchase price.

Well done, Star.

Also got name of truck company.

'Tis a good day.Great outcome, despite the loss.

[neels]

Total loss. Covered to purchase price.

Well done, Star.

Also got name of truck company.

'Tis a good day.
Good result.

Did you end up paying an excess, or is that being covered by the idiots who ran over the thing in the first place?

[Swoop]

Not surprising really. Suzuki sell bikes at a cheap price, so any repair work is proportionally high, resulting in write-offs.
A bit like Suzuki "swift" cars. Front bumper damage equates around 7k so automatic write-off.

[HEsch]

Good result.

Did you end up paying an excess, or is that being covered by the idiots who ran over the thing in the first place?

I'm currently subject to the excess, pending a waiver.

I 'assume' they will be quite keen to follow up the perp as they can then pass the costs on to the next insurance company.
Who knows.

New bike time!