Cash Settlement Amount for a "Write-Off"

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That's absolutely disgusting.

Yuo can make a complaint to the GIO and they have to investigate, they generally however require that you get a "Final Position" letter from your insurer first. In your case however it's tough to get that when you can't even get a call back.

You may also want to call FSCO and lodge a complaint with them, that's another avenue to put a little pressure on your insurer.
 
If you can't come to an agreement on value, search everywhere you can think of and print out all bikes that are comparable, then take this to your insurance to argue. I had to do this with a car that insurance under-valued and after showing them the print outs, they suddenly changed the value and I was happy. They can not tell you where to look for values, as when it comes time to make a new purchase, you will be using the same places/ ways to shop. The buying/ selling is what determines values. Good luck.
 
LiNK666 said:
Might be worth it to call the ombudsman tomorrow and ask him for an update. Your politeness will go a long way with the ombudsman. The ombudsman might've been told by the adjuster that they are calling you and may not know that they have not contacted you. Give them the benefit of the doubt that way when you call GIO you can say "I did my due diligence"
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The other thing i would suggest if you are not already doing so is to make a log of all of the calls you make and receive. Write down date, time, phone numbers (both yours and theirs with ext) the persons name / employee id and position. Also make a summary of what was discussed and any promises of future contact.

This way if you have to call GIO back you will a nice detailed list of your calls showing that you have made reasonable efforts to resolve the issue. Not only have you done your due diligence but you can prove it.
 
Torren said:
The other thing i would suggest if you are not already doing so is to make a log of all of the calls you make and receive. Write down date, time, phone numbers (both yours and theirs with ext) the persons name / employee id and position. Also make a summary of what was discussed and any promises of future contact.

This way if you have to call GIO back you will a nice detailed list of your calls showing that you have made reasonable efforts to resolve the issue. Not only have you done your due diligence but you can prove it.
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already doing that. thanks!
 
BusaBob said:
already doing that. thanks!
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Might be worth it to call the ombudsman and ask if there a direct line to the manager of the supervisor. Nothing like a call to the manager from the ombudsman and you saying "sup son"

Be courteous to the manager because they're going to start off thinking you're a bad guy, but when they realize you're a nice guy they'll go out to help you. Explain to them politely your position and ask for their. Try to get their final position as per what others have suggested and go to GIO.

Good luck.
 
still no word from Primmum...argh...
 
Finally got through to my adjuster today, thanks to the Ombudsperson's office (at TD-Primmum and the G.I.O.) who were fanastic to deal with. The adjuster and I came to a much more reasonable settlement amount in short order and are prepared to move forward.

However, another issue has arisen: if I am to retain the motorcycle and go about getting it repaired on my own, the adjuster will write me a cheque tomorrow and she will close the file as far as she is concerned.

The "Sales" side however, then expects all the repairs to be completed within 15 days, with proof of repairs (submitted within that 15 days) in the form of parts receipts, photos of the motorcycle in the repaired state and a safety certificate. If these conditions are not met, they stated they will cancel my insurance.

I can understand the need for all these conditions, except the 15 day limit. It seems very unrealistic, given the amount of time it takes to obtain parts and with how busy shops these days seem to be. They also demand that all new parts be used (they are unwilling to accept refurbished body panels or unbending of existing steel brackets to their original position).

Can anyone provide any insight or advice into this?
 
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BusaBob said:
Finally got through to my Adjuster, thanks to the Ombudsperson's office (at TD-Primmum and the G.I.O.) who were fanastic to work with. The Adjuster and I came to a much more reasonable settlement amount and are prepared to move forward.

However, another issue has arisen. If I am to retain the motorcycle and go about getting it repaired on my own, the adjuster will write me a cheque tomorrow and she will close the file as far as she is concerned.

The "Sales" side however, then expects all the repairs to be completed within 15 days, with proof of repairs (submitted within that 15 days) in the form of parts receipts, photos of the motorcycle in the repaired state and a safety certificate. If these conditions are not met, they stated they will cancel my insurance.
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Glad things are resolved (kind of).

What happens if there is a delay in parts that takes 2 weeks or more to get here for you to repair your bike? They'll cancel your insurance? take back the money?

Just curious.
 
they said they'd cancel the insurance. i complained and the rep said she would have to look into the details of extenuating circumstances, etc. and get back to me tomorrow.

although Primmum is primarily a motorcycle insurance company, the rep i spoke with admitted that she knew very little about motorcycles and the idiosyncrasies of their repair, etc.

she claimed that i needed to get a licensed mechanic to install my fairings, mirror, windshield, etc. sheesh!
 
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The auto / motorcycle insurance policy specifically states the use of aftermarket / used parts is okay. It's right in the policy, and it's a practice the insurance industry regularly employs. It's off that now they are forcing the reverse condition on you (Use brand new parts).

But, when it comes to structural components i.e. bumpers, frame rails etc, the insurance companies will only use new OEM parts.

In your case, I'm surprised they are stipulating that you use brand new fairings etc... Any structural components of the motorcycle, I agree, go new OEM. Nothing worse than an avoidable speed wobble at 100 km/h because you used old inferior used parts.

As for the 15 days, that's just as disgusting as the service you received. It's ridiculous to expect extensive repairs could be done in 15 days. Tell your adjuster to wake up and come back to reality.
 
BusaBob said:
they said they'd cancel the insurance. i complained and the rep said she would have to look into the details of extenuating circumstances, etc. and get back to me tomorrow.

although Primmum is primarily a motorcycle insurance company, the rep i spoke with admitted that she knew very little about motorcycle and the idiosyncrasies of their repair, etc.

she claimed that i needed to get a licensed mechanic to install my fairings, mirror, windshield, etc. sheesh!
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Bob, if you want to keep the bike - take the cheque on their terms.
Seven, or eight days after you receive the cheque, YOU cancel the policy, and take your business elsewhere.
You won't lose much this time of yr as far as a refund goes because they renew in Feb. Cheap months are here.
You don't want a 'cancelled by insurer' on your sheet.
 
Platinum Cycle said:
The auto / motorcycle insurance policy specifically states the use of aftermarket / used parts is okay. It's right in the policy, and it's a practice the insurance industry regularly employs. It's off that now they are forcing the reverse condition on you (Use brand new parts)....... As for the 15 days, that's just as disgusting as the service you received. It's ridiculous to expect extensive repairs could be done in 15 days. Tell your adjuster to wake up and come back to reality.
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I KNOW!!!! It's completely absurd that they are demanding this and stating that it is policy/regulation! If I didn't know any better, I'd ignorantly accept it. But I do know better, which is why this process has been so frustrating! Their audacity is quite infuriating!!!
 
BusaBob said:
I KNOW!!!! It's completely absurd that they are demanding this and stating that it is policy/regulation! If I didn't know any better, I'd ignorantly accept it. But I do know better, which is why this process has been so frustrating! Their audacity is quite infuriating!!!
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Take the bike to whomever you want to repair it from and get an estimate time they would require to get it all done and add a week or two on top of that for unforeseen delays i.e. parts shortage. Call the adjuster and say "this is the time I need... this is according to the shop + time allotted for delays etc..."

If she disagrees forward it to the Ombudsman and GIO... what you should do. How to make this unrealistic time constraints possible. Get it all in writing and don't accept the offer until these terms have been established.

Adjuster is probably ****** off at you for bringing in ombudsman and GIO... prolly power trippin' to the max.
 
LiNK666 said:
Take the bike to whomever you want to repair it from and get an estimate time they would require to get it all done
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that's one of the issues as well. at this point, it's only fairings, brackets and windshield. I have a couple mechanically inclined buddies and between us, we could just install all that stuff ourselves. the fairings can be painted at an autobody shop. other than that, it's just screw off, and screw on. No special tools or calibration, no skilled, licensed mechanic skill/experience necessary.

Primmum is deliberately making this unnecessarily complicated, and being obstinate about it.

Taking it to a mechanic at this point would be like calling in an electrician to change a light bulb or the face plate on your light switch. complete overkill.

and they want me to safety a bike i've put over 1500 km on since the claim was put in! how ridiculous is that!?
 
Just wondering...have you been with out a bike since this started??? If you have you should request a discount for them for taking a chunk out of your riding season.

Never mind just read your last paragraph....
 
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Wow, State Farm cut me a cheque and said ou dont even have to repair your bike if you dont want to. But if I dont show them everything that was fixed (they didn't ask for receipets) if there was another claim they would deduct that amount (Fromt he original damage quote) from the amount I would be entitled too.
Glad you both came to an agreement though.
 
BusaBob said:
that's one of the issues as well. at this point, it's only fairings, brackets and windshield. I have a couple mechanically inclined buddies and between us, we could just install all that stuff ourselves. the fairings can be painted at an autobody shop. other than that, it's just screw off, and screw on. No special tools or calibration, no skilled, licensed mechanic skill/experience necessary.

Primmum is deliberately making this unnecessarily complicated, and being obstinate about it.

Taking it to a mechanic at this point would be like calling in an electrician to change a light bulb or the face plate on your light switch. complete overkill.

and they want me to safety a bike i've put over 1500 km on since the claim was put in! how ridiculous is that!?
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At this point, I would suggest you speak to an adjuster on the board that can tell you how to deal with them. Adjuster be power trippin' yo.

I'm sure there are things they can force you to do and things they can't force you to do. Insurance industry has a lot of regulations and they must abide by them. Regulations overpower company policy so there if there are regulations regarding this I'm sure that'll help.
 
Gary said:
Bob, if you want to keep the bike - take the cheque on their terms.
Seven, or eight days after you receive the cheque, YOU cancel the policy, and take your business elsewhere.
You won't lose much this time of yr as far as a refund goes because they renew in Feb. Cheap months are here.
You don't want a 'cancelled by insurer' on your sheet.
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I agree with Gary. Once they give you the money, start shopping around for another insurance company.
 
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