[ericmonstro]

I had a down, with not TO much damage caused. I just made a claim on my insurance , and am wondering what to expect.

Here's what's broken/f*d up

Dented tank
Bent rear break lever
Bent right clip-on
dinged up and scratched right master
scratched up guage pod
scratched up right mirror (stock)

My deductable is $250 so I'm guessing it's worth putting it on the insurance co.

THoughts?

 

[Guest]

Don't worry, they can afford it. But they'll get it back out of ya! Ba$tard$

 

[Guest]

Thats for sure!

 

[Andrew_Cornett]

Depends.

 

[ericmonstro]

HOLY SH*T...3K. I was hoping to get enough coin to get the tank and rear cown repainted and that's it.

 

[DaffeDuc]

... just get the insurance for those 'totalled' moments... other than that, i think keeping the insurance companies out of the loop in the long run is better for the bank account... try to do most of the work yourself unless there's so much damage that it'd probably be written off.

 

[Capt. Steubing]

Not much experience with Motorcycle accidents, but I've seen lots of car insurance claims, and here is what will probably happen.

 

[Andrew_Cornett]

It is my experiance that if you don't get caught speeding alot and only have say 1 accident every 4-5 year that making an insurance claim is the right way to go. I had a fender bended that caused 900 worth of damage. The guys bumper was already cracked and when I taped him at 3 miles per hour, he claimed I had broken it. I had to pay for a new bumper which I know he did not replace. My rates went up for three years. However the amount my rates changed and for the time they changed did not come to 900 dollars. Don't get me wrong, it did come to like 875 or something like that.

So the moral of the story is that they not only will get the money in which they pay out back, but they will continue to charge you your rates for future coverage. The only difference is this: instead of you being out what ever amount of money up front, it is like a long term loan with no interest. Of course this money is yours in the first place, but hey life sucks and then you die.

 

[ericmonstro]

Well the claim is in, and they are sending a dude out to take a gander. I'm going to look over the bike with a FINE tooth comb and see what comes out.

 

[Andrew_Cornett]

Make sure you take it to a Ducati shop for an estimate. Don't just go with what ever the insurance guy says.

 

[Capt. Steubing]

Make sure that you note, and show the adjuster every scratch, ding, dent, scrape, bruise, buff, bend and break on the bike, remember, the bike should be fixed to pre-crash condition, and although I'm not recommending it, if there was any pre-crash damage, it would be easy to forget when those damages occurred. It is your insurance money, and the insurance company is working for you, also don't hesitate to show the adjuster any of the equipment that you were wearing that may have been damaged in the accident, all of it should be covered. You are in the position where most people either really appreciate, or really loathe their insurance companies, and depending on the company and the adjuster, it can go either way. Good luck!

 

[ericmonstro]

I know right.....I'm going to look for every little thing. UNFORTUNATLY the bike was pretty much perfect before the crash, so no bonus parts eh?

 

[Capt. Steubing]

I think you'll be surprised about the amount of the claim, Ducati motorcycles are really expensive to work on, and the parts are really expensive to get, a little accident can total a motorcycle if the parts are expensive enough, good luck.

 

[Andrew_Cornett]

I hear a few little scratch on the pipe is worth $800. At least that is what I got. Of course I didn't care because I chopped my pipes any way. Of course some might say, well I have no scatches on my pipe. Some might say screw driver anyone.

Of course I never said this.