I'm down, ahhhh, I dropped me bike...

[skippa1]

On a ride yesterday, dropped the speedy at about 85kmh on a corner. Bit of new seal and the front wheel let go. Bike slid about 40m and lodged under the armco barrier. I face planted the road, slid about 30m, did a couple of flips and ended up back on my feet facing the way I had been coming. No breaks, no rash but holy crap am I bruised and have lumps in places there shouldnt be any. Good leathers, hard knukle gloves and a Shoei helmet saved the day by sacraficing themselves.

Not sure if they will fix or write off, it has a big scrape on the tank, scratching on the frame and swingarm, smashed front guard, rear plastics, handlebars, levers, new carbon cans, alternator cover(lost all her Mobil 1 @ $20/litre)left footpeg, shift lever and linkage mirrors, grips etc etc.

Insured with Protecta. Question for those that know(have been there),
Gear covered under Protecta or household?
Do they fully replace(Household with State)?
Do they want the old crap?
How mauch damage(does the above sound like a lot?) before shes a write off?

Not too interested in the "safety" speeches, condemnation for accident detail or other criticisim, just good solid advice on the questions above.

[SilentDtH]

Glad to hear you are ok, and that all the good gear saved you!

Sorry I don't know the answers to your questions, but recommend just calling your insurance company to find out.

[PrincessBandit]

Good to hear you are still in one piece and that your gear did it's job. The safety net of gear and insurance can't be underestimated!
Hope your lumps and bumps disappear soon, but might be a good idea to get checked out by a doc anyway in case there are any problems which aren't immediately noticeable.

As for write off, I think the damage has to be more than 70% of the bikes worth???? When I had my crash my bike looked dreadful - exhaust trashed, right handle bar bent almost 90 degrees up ..., but was still all fixed. You'd never tell it had been swiped down the motorway.

[skippa1]

Good to hear you are still in one piece and that your gear did it's job. The safety net of gear and insurance can't be underestimated!
Hope your lumps and bumps disappear soon, but might be a good idea to get checked out by a doc anyway in case there are any problems which aren't immediately noticeable.

Yeah A&E had a look and xrayed the bits of concern, no majors, just feel like Ive been hit by a bus. Cant say enough about decent gear. I am VERY glad I spent the coin.

[DMNTD:Me]

On a ride yesterday, dropped the speedy at about 85kmh on a corner. Bit of new seal and the front wheel let go. Bike slid about 40m and lodged under the armco barrier. I face planted the road, slid about 30m, did a couple of flips and ended up back on my feet facing the way I had been coming. No breaks, no rash but holy crap am I bruised and have lumps in places there shouldnt be any. Good leathers, hard knukle gloves and a Shoei helmet saved the day by sacraficing themselves.

Not sure if they will fix or write off, it has a big scrape on the tank, scratching on the frame and swingarm, smashed front guard, rear plastics, handlebars, levers, new carbon cans, alternator cover(lost all her Mobil 1 @ $20/litre)left footpeg, shift lever and linkage mirrors, grips etc etc.

Insured with Protecta. Question for those that know(have been there),
Gear covered under Protecta or household?
Do they fully replace(Household with State)?
Do they want the old crap?
How much damage(does the above sound like a lot?) before shes a write off?

Not too interested in the "safety" speeches, condemnation for accident detail or other criticism, just good solid advice on the questions above.

Essentially your bike will be a financial write off, accept it and go with the flow.
Depends on your policy re your gear being covered by Protecta...if not your household will cover it plus phone/iPod or whatever may have been lost during your excessive lean angle testing.

Highly recommend that you download the insurance forms from their website and get the ball rollin

[240]

Shit sorry to hear of your off mate.I think your leathers etc may be covered under your household policy and yes they should fully replace.
Glad your o.k and I bet you are sore as today, a good excuse to get a case of beer and have a couple of days in front of the telly!

[Oscar]

Mobil 1 in a motorbike?

[superman]

Urg I keep hearing stories that make me think I should really upgrade my insurance to full

Glad to hear you're ok. Front sliding out is my worst fear.

[MSTRS:Me]

Bike sounds like a write-off. For insurance purposes, cosmetic damage must still be repaired/replaced and the $ quickly add up.
If they do, in cases like this your best bet is to 'buy' the wreck back off them. They deduct a negotiated value of the wreck from the payout and you retain the bike. You fix what needs to be fixed (bars, levers, pegs etc) and put up with the scratched stuff.

[YellowDog]

Some who read this should start to consider what state you would have been in if you wern't all geared up - Well done to you.

Glad you only feel like you've been hit by a bus and were not.

Get your insurance policy out and start reading asap. The damage you describe says 'Not a write-off' to me however there may be more damage after the assessment. The fact that it slid and did not roll and tumble many times is a really good sign.

The only thing I would worry about is losing the cost of your expensive exhausts due to them not being covered. Hopefully your gear will be covered. The insurance co may also make a fuss over the exhaust system, in that they may claim them to be a significant uninformed perfromance enhancing modification to the bike.

All the best to you and your bike

[MSTRS:Me]

Some who read this should start to consider what state you would have been in if you wern't all geared up - Well done to you.

Glad you only feel like you've been hit by a bus and were not.

Get your insurance policy out and start reading asap. The damage you describe says 'Not a write-off' to me however there may be more damage after the assessment. The fact that it slid and did not roll and tumble many times is a really good sign.

The only thing I would worry about is losing the cost of your expensive exhausts due to them not being covered. Hopefully your gear will be covered. The insurance co may also make a fuss over the exhaust system, in that they may claim them to be a significant uninformed perfromance enhancing modification to the bike.

All the best to you and your bike

+1

Write-off simply means cost of repair/replacement is greater than the pre-accident value of the whatever. It has nothing to do with it's overall roadworthiness or ability to be ridden in damaged form...

This is a very good point.

Good luck.

[DMNTD:Me]

Get your insurance policy out and start reading asap. The damage you describe says 'Not a write-off' to me ....

I can assure you that it will be

[dogsnbikes]

On a ride yesterday, dropped the speedy at about 85kmh on a corner. Bit of new seal and the front wheel let go. Bike slid about 40m and lodged under the armco barrier. I face planted the road, slid about 30m, did a couple of flips and ended up back on my feet facing the way I had been coming. No breaks, no rash but holy crap am I bruised and have lumps in places there shouldnt be any. Good leathers, hard knukle gloves and a Shoei helmet saved the day by sacraficing themselves.

Not sure if they will fix or write off, it has a big scrape on the tank, scratching on the frame and swingarm, smashed front guard, rear plastics, handlebars, levers, new carbon cans, alternator cover(lost all her Mobil 1 @ $20/litre)left footpeg, shift lever and linkage mirrors, grips etc etc.

Insured with Protecta. Question for those that know(have been there),
Gear covered under Protecta or household?
Do they fully replace(Household with State)?
Do they want the old crap?
How mauch damage(does the above sound like a lot?) before shes a write off?

Not too interested in the "safety" speeches, condemnation for accident detail or other criticisim, just good solid advice on the questions above.

Bugger about bike....but I did hear Owl is looking for a new battery for his S3

As for the gear if you have contents it will be covered "BUT" depending on your contents policy they will devalue Jacket,pants,gloves and boots depending on age
ie: 18 months plus can be 40%
If you have photos of your gear and it looks good get someone to back up your statement like your local bike shop and use their letterhead

even my insurance company agreed that some people look after there gear better than other and still paid me 90% of the value of my gear that was 2 years old the helmet was full replacement but talk to your insurer first

Most insurer's will want your old gear,but if theyt dont have and office local too you,they may just tell you to keep it

[Milts]

As much as it sucks to hear the damage to your bike, it's so good to hear you walked away rather than reading about this in the news!
I'm with Protecta and when my bike was damaged they were so easy to deal with and patched it up no fuss. No experience re gear or how likely they are to just write it off...

[baptist]

for the bike but good news you walked away and big plus for all the gear or what! hope you get the result you want from the insurance...