Not an insurance specialist, but I would guess that an at-fault accident is an at-fault accident regardless of the damages.
Tipped over someone's GSXR-1000, need advice
- Thread starter vibiker
- Start date
Not an insurance specialist, but I would guess that an at-fault accident is an at-fault accident regardless of the damages.
Glad to see someone actually caught it.
As stated above, once reported to collision, they report it to both of your insurance companies.
Next step: Don't pay anything after this point, and tell the guy to call his insurance company.
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There is no later on grief. Once "Damage reported to Police", it's already done. No form of writing will prevent the insurance hike, in fact, OP's insurer may try to drop him out of his policy because he was not reporting an accident.
That's the impression that I got from my accident anyways..
edit: OP, I'm not sure if it's the camera or not, but the colours on that sticker looks too faded. I'd check if it was already there prior to you dropping.
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Are you sure about this?
I'm hearing conflicting things. That insurance only gets involved once a claim is maid. I was told in the CRC that they don't notify insurance.
I'm hearing conflicting things. That insurance only gets involved once a claim is maid. I was told in the CRC that they don't notify insurance.
i know it's been mentioned, but good on you for owning up to hitting the bike and for asking advice.
$2000 sounds reasonable.
most riders i know really take care of their bikes. i clean and shine to keep the bike looking brand new, so if this rider took care of his ride then certainly the parts would've been close to mint before the bike was hit.
as mentioned above, the parts and fairings can easily cost 2-5K depending on the bike, colour scheme and parts.
and the parts i see damaged in the pics you provided, along with labour $2K would be the minimum.
i would say he is in the right to choose where he wants the bike taken for repairs.
it doesn't seem to me this guy is trying to rip you off, i think he genuinely just wants to fix his bike and move on.
$2000 sounds reasonable.
most riders i know really take care of their bikes. i clean and shine to keep the bike looking brand new, so if this rider took care of his ride then certainly the parts would've been close to mint before the bike was hit.
as mentioned above, the parts and fairings can easily cost 2-5K depending on the bike, colour scheme and parts.
and the parts i see damaged in the pics you provided, along with labour $2K would be the minimum.
i would say he is in the right to choose where he wants the bike taken for repairs.
it doesn't seem to me this guy is trying to rip you off, i think he genuinely just wants to fix his bike and move on.
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I'd confirm that info with five diff ppl at crc if I were you.
FYI, I was told he opposite.
silvrsurfr
Well-known member
$2000 is fairly cheap. My 650r (2011) was hit in the exact same way. It went up and over the kick stand.
Cost to fix was $3200.
This was dealer cost though. Im sure its a lot less expensive if you source the replacement parts yourself.
(Insuranced covered it for me - I was deemed not at fault. Lady who hit my bike took the hit)
Some how get it in writing where the $2000 you pay is final and all parties agree to it.
Bottom line: $2000 is cheap from my experience.
Cost to fix was $3200.
This was dealer cost though. Im sure its a lot less expensive if you source the replacement parts yourself.
(Insuranced covered it for me - I was deemed not at fault. Lady who hit my bike took the hit)
Some how get it in writing where the $2000 you pay is final and all parties agree to it.
Bottom line: $2000 is cheap from my experience.
bikes been down before - there's rusty scratches on the barends, who knows how much other damage was pre-existing. call your insurance company and ask how much your rates go up... you are basically now a 0 star rating and every year accident free you get another star.. each star you get the insurance goes down more
lol, this post made me laugh.
Remember one thing; this guy has the RIGHT to simply demand your insurance repair it at a dealer. There is NOTHING you can do to stop that, so giving him a runaround about expediting the repair will certainly make this an at-fault claim. He is the "victim" here, and legally he has the right to an immediate settlement for his property damage, and 2 grand is very believable for a tip-over.
1. You can ask for the old parts, he does not have to give them to you. period
2. If he's willing to wait for you to source parts, then all the power to you. I sincerely doubt that will happen though
3. Unless your an insurance adjuster, seeing the bill means diddly. Remember, he has the right to choose the repair facility
Regarding replacement parts being new, where the Hell do you get your information? Go smack up your car and see if the adjuster starts dumpster-diving for parts. I take it you've never had a claim before. Regarding "partial fault"; again, you are way off on this one. A parked vehicle is just that. 100 percent not at fault.
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That's what I am concerned with, that the guy is taking me for a ride... no pun intended...
bikes been down before - there's rusty scratches on the barends, who knows how much other damage was pre-existing. call your insurance company and ask how much your rates go up... you are basically now a 0 star rating and every year accident free you get another star.. each star you get the insurance goes down more
strictlye
Well-known member
Brampton Powersport is a legit authroized Suzuki motorcycle dealers, their cost estimate should be fair..... at least they didn't get the estimate from Suzuki Newmarket
honestly, I think you are getting a bargain for $2k.
I wouldn't go that far. I got an estimate from them before it was ridiculous. They quoted the replacement for every part that had so much as a nick on it. Most were from stone chips on the highway and not the accident itself. But it didn't stop them from quoting $400 to replace the entire part.
Keep in mind with bikes, they don't simply fix the crack, poly fill or buff out damage. The entire piece of plastic will be replaced instead. That is why his estimate is so high.
A verbal or even written agreement between the parties in this situation is worthless imo. Basically, your insurance policy is an agreement between you and your insurance co. You have obligations as well under that policy including reporting any accident involving losses to persons or property. So you enter into an agreement with this person that puts you into breach of your agreement with your insurance company. And it's on paper with your signatures. If he still decides to call his insurance company, you may have more potentially to worry about than a premium increase.
Dude,
Call insurance and get an adjuster to look at that bike.
It really seems that it was already damaged and an adjuster will hopefully see that and catch the fraud.
especially if it was already reported to the crc, check the reporting date and make sure it was not way before your accident. Just to make sure.
Call insurance, they will give you good advice and know what to look for.
Call insurance and get an adjuster to look at that bike.
It really seems that it was already damaged and an adjuster will hopefully see that and catch the fraud.
especially if it was already reported to the crc, check the reporting date and make sure it was not way before your accident. Just to make sure.
Call insurance, they will give you good advice and know what to look for.
Guys you all have it wrong. Ontario is no fault insurance. The car driver's insurance company does not pay to fix the bike. The bike owner's insurance pays to fix his bike. As long as the bike owner was not at fault his insurer will pay the repairs, no deductable as it was not his fault and it does not matter if he has collision insurance or not as long as he has liability insurance he is fine.
The car driver will have to report it to his insurer and no claim made to his insurance since there is no damage to his car. He will though get an at fault claim on his record and how the insurance company treats that in premium increases depends on the insurer.
Personally I would tell the bike owner to call his insurer and get them to fix it and report it to your insurer and be done with it. Maybe you will come out ahead with just a minor increase on your next premium.
The car driver will have to report it to his insurer and no claim made to his insurance since there is no damage to his car. He will though get an at fault claim on his record and how the insurance company treats that in premium increases depends on the insurer.
Personally I would tell the bike owner to call his insurer and get them to fix it and report it to your insurer and be done with it. Maybe you will come out ahead with just a minor increase on your next premium.
On another note that bike has been dropped before. Easy to tell by the rusty rash on the bar end. Some of the scratches I would be hard pressed to say whether they were there before. The rider obviously does not take great care of the bike based on how rusty the chain is.
I would tell him to go through his insurance as I think he is trying to soak you to fix his whole bike, old damage and new.
I would tell him to go through his insurance as I think he is trying to soak you to fix his whole bike, old damage and new.
Yeah, didn't see the sticker talk at first. If the damage has already been reported to police there's a good chance the insurance companies have already been notified BUT I don't know that for sure, so do not take my word on that one.
If the insurance companies already know, all you can do is go through them.
