Damn it, it happened. Was riding the Ohio Dragon on the east side of Columbus, came up on a corner with some gravel and WAMMO! I bruised my hip and knee a little but am fine, had all my gear on like always. Thank god too, couple nice dingers in my helmet. Anyway, frame is dented (no pucks, I know), broke shift pedal and primary cover where shift lever bolts to, bent handle bars a little. My question, I know insurance will total it cause the frame damage. Should I say the hell with and fix it, or let it be totaled, buy it back, and fix it. My worry is the insurance is going to ask way to much if I try to buy it back and I loose my bike all together. By the way, a pair of vise grips will work as a shift pedal, I rode for about 4 hours like that to get home,lol. Thanks for the input guys.
-
You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will see less advertisements, have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today!
If you have any problems with the registration process or your account login, please contact us.
Went down, need advice.
- Thread starter fishxb12
- Start date
Help Support Buellxb Forum:
08herobolt
Well-known member
First off, glad you are alright.
Second, I don't know enough about insurance claims on bikes. Some of the other guys will have the experience. I'm assuming if you claim it and buy it back, then insuring the bike may be difficult depending where you live. I know paulpud and some other guys have frames lying around. Talk to them. It may be a whole helluva a lot cheaper and less of a headache to buy a used frame and just fix the bike yourself.
Second, I don't know enough about insurance claims on bikes. Some of the other guys will have the experience. I'm assuming if you claim it and buy it back, then insuring the bike may be difficult depending where you live. I know paulpud and some other guys have frames lying around. Talk to them. It may be a whole helluva a lot cheaper and less of a headache to buy a used frame and just fix the bike yourself.
08herobolt
Well-known member
I'd think so if you're state does that. Here in Michigan, if it moves you're good.
If you call insurance they will 100% total it. Some of the auction bikes I get barely have a scratch on them. They total these bikes for a broken shifter now. If totaled it will have a salvage title no question. I'd say forget insurance. Send me a list of what you need I'll make you the right deal on everything you need to fix it.
Almost the same thing happened to me! Glad your ok I hit some gravel on an exit ramp and also dented my frame. My SS has the pucks but still took a pretty big hit! I didn't call my insurance I just fixed mine the everything on the left side was damaged. I fixed all that but the frame is still dented but the new frame puck covers it up! Still gotta replace my headers but that's a winter project! I say fix it and save the hassle with the insurance!
Glad you're OK fish...Also glad to hear your Buellie isn't too bad off too. I'm not sure, (did they write you up for anything, etc.?). IF you can get away without your insurance knowing anything about it, you're better off IMO. I had the same situation with a Ford Ranger. It was raining, and a young chick decides THIS is where she wants to turn! She locks up her brakes to make the turn....I ALMOST got it stopped. About $1200 damage to her car, and IDK how much to my Ranger. No cops, but I called my insurance company to explain it. They paid everything, AND totaled my Ranger. I bought it back to fix it as it wasn't bad at all. WOW! What a PIA! (I am in Pa.). It will have an 'R' Title now. (Reconstructed. As I plan to keep it, it isn't a big deal to me, but it kills resale value big time). But...I had to get a SALVAGE title first. Then I had to scan and email THAT salvage title to the insurance company before they'd send me a check. After repairs, it has to go thru an 'enhanced safety inspection'. (A fancy term so they can shove it up your hoo hoo...@ $175!). Then back to PennDOT for an 'R' title. I have more in paperwork than the Ranger is worth! (Sarcasm, but still...) . HERE'S the real bite in my ass though....my insurance went up a good bit...not crazy, but it will be like this for a total of 5 years after the date of the claim. It was NOT worth going thru the insurance company!!
go cytocis
Well-known member
- Joined
- May 28, 2012
- Messages
- 1,829
Depends on your local laws, but where I live, if you bought the bike back from insurance you'd end up with a 'salvage title' which severely limits the resale value of it & may even relegate it to becoming a track-only bike. And even then, I'm aware of some tracks that are not allowing salvage title bikes on the track.
Another factor to consider of that the damage you did may be more significant than it appears. You should use a tape-measure to check that your major centre-to-centre chassis dimensions are still all symmetrical. It's very possible your front-end, frame, and/or swingarm are also bent.
Another factor to consider of that the damage you did may be more significant than it appears. You should use a tape-measure to check that your major centre-to-centre chassis dimensions are still all symmetrical. It's very possible your front-end, frame, and/or swingarm are also bent.
Talk to your insurance regarding salvage titles. Most will still insure you, but you won't be able to get collision on the bike again.
My Firebolt is a salvage title rebuild. As long as you can find the parts, it's usually much cheaper to buy it back and rebuild.
My Firebolt is a salvage title rebuild. As long as you can find the parts, it's usually much cheaper to buy it back and rebuild.
Now that you say something go cytocis, I finished the ride after going down and the bike did seem different. I know the left side of the bar is bent a little. Wasnt sure if it was the bike or me being nervous as hell and gun shy. I rode the rest of the twisties slow! I guess there is always that chance something got bent or warped. I will have to check into that. If something is off bad, I might total it, buy it back and part it instead of putting alot of cash into it trying to fix it. Be better off buying another bike.
chief_of_smoke
Well-known member
when i flipped mine, i called my insurace company. almost the same damage. he told me that he was going to total it. i told him "if thats the case then im going to buy it back and fix it and ride it anyway." also told him that i can do all the work myself. he ended up not totaling it and the company paided for all the parts and my labor to fix it. guess i got lucky on the deal. turns out the parts and my labor were half of the cost to total it. my rates didnt go up and i didnt have to get a salvaged or rebuilt title,
Total it---> buy it back for 20-30% --> salvage destruction so ---> find a frame from Paul or someone else & fix it.
You'll get WAY more from insurance than you could ever sell the bike for. By the time you put in a little but of work and some money you'll have a bike and some $$$ to spend on upgrades.
Could be better than before.
You'll get WAY more from insurance than you could ever sell the bike for. By the time you put in a little but of work and some money you'll have a bike and some $$$ to spend on upgrades.
Could be better than before.
I was kinda thinking I might actually come out a little ahead somehow. Should I pull my parts off before they total it just incase they want too much to buy it back? I am letting my magnaflow, race ecm, and right scoop go with it. I have all stock parts to replace them.
heagachongoose
Well-known member
Damn that sucks! Sorry to hear that man. At least you had your gear on and you were able to get it home. I wish I would have known I could have been up there with a truck in an hour or so. Good call on the locking pliers. A pair of vise grips are invaluable to keep on hand. I just about always have a set with me.
I was just up there a week or two ago. It is quite tricky in parts, dirty in others. Sometimes both. I specifically remember a particular sharp 20/30mph curve immediately after a blind hill crest with a big patch of loose gravel in the right lane. I about ate it there myself.
^true
In my experience, once a bike goes down, it is never the same. For the most part.
This is very true and is something I would strongly recommend if you had the time to deal with it.
I would. I honestly don't think it would affect much as far as the insurance company is concerned. But just in case.
I thought a few of u guys lived over that way. I would have posted, but it was a last minute trip. Next question for anyone that has delt with it. Does it matter whether I tell insurance I wreck, it was knocked over, think they would want a police report?
chief_of_smoke
Well-known member
my insurace company didnt ask for a police report. and they didnt total mine.
