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insurance company or private

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Discussion Starter · #1 · (Edited)
So Saturday I went to a block party that one of my co workers was hosting :p Come to find out, the salesman that sold me my first bike (C-50) lived a few houses down. Small world huh. Anyway. Parked the bike in the street. Drinking the drinks and shooting the jello shots. It was a good night. Too drunk to even think about moving that beast.
I wake up Sunday afternoon to head home. Get on the bike start her up, no problem. I kick the kickstand up and I notice that it's not sitting the way it normally was. What the heck??? Put it in gear and she dies. What the frick is going on with this. As I'm playing the the kickstand I hear a voice, "How's your bike" I look up see this woman. Come to find out I know this person also. (Base Honor Guard) get to chit chatting. I'm off the bike and at her car talking to her. She asks again "how's your bike"? "I backed out of the drive way and I didn't see it" The crap that was going through my head. Taking closer look at the bike. Mirrors, grips, pegs, brake/clutch levers and farings. She said "I hit it with my car" she's got a little orange on her car.
I have to say that I have to be a lucky person for this bad situation. She bumped the bike hard enough to push it back but not hard enough to tip it over. What's the damage??? My Cycle house kickstand. Bent and stress cracks where it mounts to the frame. And a gouge on the right side of the front fender. Maybe half inch by 1/4 inch. And a scratch from the brake line bracket.
I had to stomp on the kickstand for it be able to engage the neutral safety switch.
Did some pricing. $180 for the kickstand and average $130-$150 for a new fender. Think it would be cheaper to get a new one over having it sanded and repainted. (I know her, want to try and be nice)
Nothing else is wrong with the bike. Should I settle private or get insurance involved?
 

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(I know her, want to try and be nice)
Nothing else is wrong with the bike. Should I settle private or get insurance involved?
I would settle it privately if you know she will pay up when the time comes. Since you know her and seem to have knowledge about the type of person she is, it would lead me to believe it should be relatively painless to settle privately.
 

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Settling privately would be nice but a lot of times people renege on their kindness when it comes time to pay the piper.
 

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I'm more pragmatic......decide if you can live with having to pay for it yourself...that way if she burns you it's no loss. If it were thousand"s it would be a no brainer...depends on your financial tolerance of a loss. I have long ago lowed my expectations of people...even friends and family. That way I am more pleasantly surprised then routinely disappointed :bigthumbsup:
 

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I'm more pragmatic......decide if you can live with having to pay for it yourself...that way if she burns you it's no loss. If it were thousand"s it would be a no brainer...depends on your financial tolerance of a loss. I have long ago lowed my expectations of people...even friends and family. That way I am more pleasantly surprised then routinely disappointed :bigthumbsup:
:agree: gramps shows wisdom in his description on his outlook of situations like this. since you seem to know this person and she was honest enough to tell you that she hit it, i guess settling privately is the way i would do it. the orange can be a PITA to match and although it can be done by a professional shop, the cost of the paint is most likely going to cost you more than buying a used orange fender on ebay which in turn can be easily mounted on the bike with no down time. i hope you get it all worked out. :bigthumbsup:
 

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People are retarded driving, can't back up or pull forward without hitting another vehicle or worse, a motorcycle. WHY? Simply because they have no depth perception & not mechanically inclined to understand and comprehend operating the gas pedal, the brake pedal, turning the steering wheel & checking for objects over their shoulder or in their mirrors AT THE SAME TIME. They can ONLY do these things ONE AT A TIME, so when they have to do it all at the same time they become confused, disoriented. If they would take the time to actually look before they back up this wouldn't happen.
My advice? Make her PAY, then next time she'll be more careful & that just might save someone elses bike from being hit. The problem with society today is nobody cares. If I had hit your bike you would have my cash in your hand immediately to repair it, but then again I was raised by my parents to have morals and be responsible.
 

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ask her if shes ok paying XXX of dollars. show her an estimate of the damages so she knows that your not F3##ing her. She most likely thinks that the damage is far less than what it is so show her and explain it to her. if she good with it then take pictures of her car and your bike and settle it privately. if shes not then go thru insurance.
same thing happend to me with the car, guy was like i'll pay but when he got the estimate he changed his mind. since then i got the "accident forgiveness" policy from allstate (for the car) like this i dont have to deal with this situation anymore. your fault or not they wont jack up your rate so u dont have to worry about filing a claim.
 

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:agree:with Gramps also, she came outside to tell you what happend. you shouldn't have a problem. My son is in N. Charleston also, He is in the navy. finishing up his nuclear power proto type school. You came out a lot better than he did. his yamaha R6 was stolen right off the navy base. good luck.
 

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I am divided on this one. Just off your estimates, $430 dollars just for the kickstand and the fender and not knowing her money situation could turn out to be more than she can chew. Most people dont just have a few hundred dollars laying around. I wouldn't be a :edit: about it but I would let the insurance company handle it. She was nice enough to tell you that she hit the bike in the first place but as for paying for it, I'm not so sure. I know if it were me, I wouldn't want to depend on someone else promising to pay when it can be dealt with with no hassle to either of you. :dontknow:
 

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My vote is for a private resolution since you know her. I think it took a lot of good will for her to tell you she hit it in the first place, so I would try & work it out directly with her. I would give her the choice though. Get your estimate together, talk to her, and then let her decide. If you really like her, try and even set up some payment plans ( depending if finances will allow that ). I was rear ended on by an Escalade back on March 19th, and still have not recieved a penny as of yet from the insurance, so that route is not always the quickest resolve. She may be willing to say I can take care of half of it this coming paycheck & the other half my next one. If it goes down like that, I think that is pretty acceptable. JMO though...
Keep us posted please.
 

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I, too would try to work it out with her. But you should get a feel for her willingness to remediate the issue pretty quickly from talking to her.

Keep the insurance company in the back pocket in case you need it.

My humble opinion...
 

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You know how much it will cost to fix the damage....She pays it now before you order the parts that way you are not out anything in your pocket or you involve the police & insurance....Simple to handle and fix.
 

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If you can afford to do it privately - do it. Your insurance premiums go up with every claim and youll pay much more in the long run. No claims = better rates.

Again - thats if you and she can afford it and if she'll pay for things.
 

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Discussion Starter · #14 ·
I do appreciate everyone opinion. I would like to do it privately as well. Mainly because of the down time. Called the dealer first thing. New fender $175. Since the bike has not been trained to stay on two wheels on it's own, it's sitting on my stand kickstand off. I already ordered another kickstand. $180. (overnight) 5 bones should be good. Cover parts, labor and shipping.
 

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1. She didn't have to tell you, She did.
2. She didn't have to tell you twice. She did.
3 Talk to her and give her the options your willing to live with. It's your bike.
She sounds like she is willing to do the right thing. if not she would have just parked somewhere else and said nothing. Better to ask in the morning when the boys are sober than when they are in the middle of a party. I think she will do right by you. Seems like a nice lady.
bob
 

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1. She didn't have to tell you, She did.
2. She didn't have to tell you twice. She did.
3 Talk to her and give her the options your willing to live with. It's your bike.
She sounds like she is willing to do the right thing. if not she would have just parked somewhere else and said nothing. Better to ask in the morning when the boys are sober than when they are in the middle of a party. I think she will do right by you. Seems like a nice lady.
bob
:agree::agree:
 

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1. She didn't have to tell you, She did.
2. She didn't have to tell you twice. She did.
3 Talk to her and give her the options your willing to live with. It's your bike.
She sounds like she is willing to do the right thing. if not she would have just parked somewhere else and said nothing. Better to ask in the morning when the boys are sober than when they are in the middle of a party. I think she will do right by you. Seems like a nice lady.
bob
:agree:x2
 

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For all the good reasons stated above, I'd try to settle it privately. She was nice enough to tell you she did it, even though you probably wouldn't have found out, and you know her.

Good luck with getting it fixed.
 

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Well you weren't even aware something was wrong your baby till she told you. I would imagine she was probably scared to death to even tell you. At least she waited till you were sobre enough to comprehend what she was telling you in the first place. If the night before you would have done 1 of 2 thing:
killed her or
let her pass cause she was soo damn cute.
 
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