I am trying to figure out the best strategy for handling my collision claim. I went down at approx 30 mph in right hand corner. All damage right side, in corner too hot, touched front brake, down I went. No curbs or potholes, just a decent smack to pavement and slide. 2006 silver in very good condition 15K miles all damage right side.
I talked to someone about another issue with the insurance claim today and they happened to mention they were total-lossing my bike... it was not the adjuster. I haven't talked to adjuster yet. Apparently the adjuster got up to 6750 (they wrote in complete stock exhaust) in damage and stopped... guy said they go to 75% of value and then total it... not sure what they are valuing bike at, but that means at least 9K. Insurer is state farm.
The dealer has not said anything about frame damage, they are giving me the run-around just another day on the estimate, but they don't know what the they are doing (last time I took it in for scheduled maintenance they had a hat trick - overfilled oil, body panels not put toghether right, and they left the clutch cable overtight). I don't think they have any idea the adjustor is thinking total it.
Damaged parts are listed below, even if I buy all new parts we are talking about 3300 in parts the way I figure it since I am not interested in a stock exhaust. It is all stuff I can replace myself very easily.
Somebody posted this when hyperpete was asking the same questions.
Damage details and mods below. Questions way down at the end.
List of Modifications to Motorcycle - Any Idea How to Blue Book This?
Roadburner velocity pro exhaust
Chromed stock wheels
Chromed peg brackets
Kuryakyn elipse mirrors
Kuryakyn driver pegs
Kuryakyn ISO grips
Kewl metal helmet lock bar end
Hard bags - Mutazu JM Silver
Xtreme revolutions stage 2 intakes - http://www.xtremerevolution.com/store/showproduct.aspx?siteid=14&productid=3292&gvid=&sh owmost=1&rctr=1
Side mount licence plate - greggs
Engine cover - greggs
Chrome swingarm cover
Chrome caps for shocks
Remote control LEDs
M109R logo brake/clutch levers with holes.
After market kickstand with holes.
Front Brake Lever
Rear Brake Pedal
Right Airbox and cover
So... I am thinking the best bet is to find out about frame damage. If frame damage exists, I will probably work to total it.
Likelihood of frame damage? What should I look at/have them check?
Question: If no frame damage... should I still total and buy back, or should I negotiate to get a high payout for fix and keep away from having to screw around with a salvage title?
If you recommend a strategy, should I try to push value of fix up/down and/or value of bike up/down?
Thanks in advance. Support has been great.