First crash, just back from hospital. Any help is appreciated! | GTAMotorcycle.com

First crash, just back from hospital. Any help is appreciated!

Militarii

Militarii

Well-known member
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Hey guys,

First things first i`m alright. Bruise just under the knee where the car hit and a nasty groin pull. Other than that it`s ok. I was wearing my gear fyi.

So unfortunately tonight i was involved in my first crash. Im riding straight to exit the parking lot and a guy coming from the other side suddenly turned into me. I break then swerve but the curb was there so nowhere else to really go. He turned in so late that he hit me on the left fairing side (front wheel and everything not even touched) Cops showed up exchanged insurance and everything, the guy was shook up to and very apologetic saying he`d pay for everything so yeah.

Bike was towed to a police lot (yonge and elgin mills) in order for his insurance to pay for it. The bike 2011 CBR600RR, hoping it`s not totaled. Insurance will probably go there with their guy to take a look at it and give me a price. I don't know how much i trust that knowing i`ve gone through disagreements with insurance when it comes to car estimates. Can you guys recommend anyone that can give me a somewhat accurate quote so i can see how they may stack up against the insurance?

If I`m not satisfied with the insurance the guy is willing to pay out of pocket just so you guys know.

If you didn't wanna read all that ^... Can you recommend a trustworthy shop that will come look at my bike and give me a quote?

Thank you in advance.
 
I'm sorry to hear you were hit but glad you're okay. When I had a cager back into my bike, I took it to the dealership and had them give me a quote on what needed to be done and someone from my insurance came to assess the damage. My insurance okayed the quote and everything was fixed. I didn't have to pay a cent. Since I was not at fault, my insurance covered it and went after the girl (her insurance) to be compensated. My bike wasn't a write off in that accident so that might have made things easier. Most was just cosmetic damage. I don't know if that helps..
 
Well i would go with the insurance company to teach the guy a lesson. His rates are gonna go up nd he's going to need to start to pay attention. Also medical bills should be covered.
I would go with the cash from the guy if you are not hurt. No worries about getting short changed on the damage to you bike. I dont like the idea of the guy and an insurance company checking out your ride without you. Last thing you need is a guy who works for the insurance company who says "it'll buff right out" "you'll be fine after a couple yoga sessions"
 
Just a caution for how you deal with damage repair. I know it's always good to help out remorseful drivers but be careful about making agreements to pay for damage. Reason being, if you make an agreement with the other driver to pay for damage and they fail to pay you may be on your own to collect. The deal may be considered a Civil agreement and the insurance company will walk away from it. You'll be on your own to sue for the damages.
 
As others have said, get your dealership involved. Motorcycle insurance claims are not an appraisers bread and butter so their accuracy can leave a lot to be desired.

As far as the claim itself, definitely go through insurance! Given the fact that you were injured in the accident you risk giving up any future claim should deal directly with the cager and this will affect you if your injury doesn't heal.

Lastly, attached is a link that discusses parking lot accidents. While I've never personally been involved the outcome from those I've seen (through work) is that the insurance companies take the easy way out and claim it 50/50 unless there are independent witnesses.

http://www.insurancehotline.com/what-happens-if-youre-in-a-parking-lot-accident/

Good luck and glad you are OK.
 
RickT said:
While I've never personally been involved the outcome from those I've seen (through work) is that the insurance companies take the easy way out and claim it 50/50 unless there are independent witnesses.
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I do have witnesses but he took responsibility at the scene and in the report it clearly states he was at fault. I think that's enough no?

Should I get it towed to a dealer then? And then get then to do an appraisal?

and yeah it's gutwrenching knowing it could be written off over such a stupid thing from this guy :(...
 
I've seen bikes be written off for as little as what seemed like 30% of their book value. If there's a mark on the frame, it's a write-off. If it gets to some arbitrary repair cost around 50% of its value, it's a write-off. Seems that the insurance companies can make more by parting your bike out, so they write them off at lower damage values than they would for cars.

The advice about your gear is good. Make sure you claim any of it that has been damaged. If there is so much as a mark on your helmet, put in for a replacement. You don't want to have a compromised helmet when you need it most.
 
Militarii said:
I do have witnesses but he took responsibility at the scene and in the report it clearly states he was at fault. I think that's enough no?
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In my experience that's not enough as he can recant his admission of guilt. Hopefully he doesn't. If you read the paperwork given to you by your insurance company, one of the things stated in their "if you have an accident" section is to never admit responsibility.
 
First get the bike released to ANY shop you want. Its 100% up to you who repairs your bike and your just gathering storage at the tow lots. Every shop in city including me does insurance work and should be familiar with the process. The "other" company will not send an appraiser. Most (except SF and Co-Op) use contract appraisers. They send pics and recommendations to the adjuster who makes the decision. I like to have a detailed estimate with part numbers and costs and hand to appraiser when they arrive. Generally give it a once over and take some pics (include mileage and VIN plate) you will hear back quickly. I believe they have to settle claims within 10 days or something like that. It will be YOUR insurance company that pays (no fault insurance) . That doesnt mean they dont assign blame they certainly will do that and increase rates accordingly. You may want a write off because waiting for parts sometimes can take you out for quite a time and our season is very short. Good luck and glad you are ok, bikes can be repaired/replaced.
 
I highly recommend "Kneedragger88" for any work you need. He has the capability to pick up and drop off your bike as well. I have no affiliation to him, I'm just an extremely satisfied customer.
 
Mini said:
Just a caution for how you deal with damage repair. I know it's always good to help out remorseful drivers but be careful about making agreements to pay for damage. Reason being, if you make an agreement with the other driver to pay for damage and they fail to pay you may be on your own to collect. The deal may be considered a Civil agreement and the insurance company will walk away from it. You'll be on your own to sue for the damages.
Click to expand...

Is there anyway you could draft a simple document - one that the other driver can sign, the OP sign's, with the date and a witness to state that; "the other driver will be financially responsible for any and ALL damages to the OP's motorcycle, gear and any additional hospital bills for up to 12 months"

Would something like that hold-up in civil court? I think it would...
 
Kri$han said:
Is there anyway you could draft a simple document - one that the other driver can sign, the OP sign's, with the date and a witness to state that; "the other driver will be financially responsible for any and ALL damages to the OP's motorcycle, gear and any additional hospital bills for up to 12 months"

Would something like that hold-up in civil court? I think it would...
Click to expand...

Time and money to fight it in court my good man
 
Kri$han said:
Is there anyway you could draft a simple document - one that the other driver can sign, the OP sign's, with the date and a witness to state that; "the other driver will be financially responsible for any and ALL damages to the OP's motorcycle, gear and any additional hospital bills for up to 12 months"

Would something like that hold-up in civil court? I think it would...
Click to expand...

I don't think anyone in their right mind would sign something like that.
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