Tipped over someone's GSXR-1000, need advice
- Thread starter vibiker
- Start date
amen
..and if the guy is trying to scam more money, let him try to scam his own insurance company instead of OP paying out cash. Already paid a $3400 premium for coverage. Use it.
the slider could have been scratched or slightly bent. As far as the rider is concerned, that could have been enough damage for him to want it replaced (and called it broken).
As a frame of reference, a woman knocked my motorcycle over onto it's left side. Total repair bill came out to something like $5000 or $6000 (mostly for parts from the USA, where prices are significantly lower than the dealerships here) to get it back to what it was. Insurance was going to write it off as the repair quote was even higher. I essentially had to "buy the bike back" from the insurer and get the repairs done myself (a friend did most of the work, and a mechanic re-installed new parts for the hydraulic clutch, which was damaged).
that was a royal pain in the ***.
bottom line, OP: any contract you make with this guy as far as liability for his damage is concerned is completely irrelevant as far as your contract with your own insurance company. the $2000 is basically "hush money" so he doesn't file a claim with his own insurer. But you have no guarantee that he won't, and no recourse if he does. And if he does, your insurance company will drop you like a rock for non-reporting, which is a violation of your contract with your insurer.
my question to you: is it really worth getting dropped by your insurance company?
he has insurance. he won't be paying a deductible. he's not at fault, so his insurance premiums won't go up. his quote of $2000 seems low, considering the expenses I experienced fixing my own motorcycle.
call your broker and ask "hypothetically" how much your insurance premiums will rise if you have an at-fault fender bender. then go from there.
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No way it would rust like that in just a few days, but I don't really think it's relevant either since there's obviously fresh damage on the bar end too. If you wanted to try and return the part back to the same condition it was before the crash (scraped and rusted) it would probably cost you more than just returning it to new condition.
Green Machine
Well-known member
#1 thing you should do is get a car with those back up sensors and camera.
EaZ8
Well-known member
i did read it, and i gave you some good pointers until you tried to deflect the blame onto the VICTIM
that was more of a hey open your eyes you could have caused a lot of harm by hitting people who wernt wearing construction vests and tapping on your window saying "hey dont hit us we are right here"
(and no i dont take clients to tuesday lunch at the rippers..that was a joke...its friday drinks lol)
not that its really relevant but the timmies off the 400 has been closed all summer...it just re opened within the last couple weeks, so no i havent done that this summer..
open your eyes and stop blaming the LEGALLY PARKED VEHICLE for not moving when you hit it with your car.
sure seems like you are looking for excuses to not cover this damage.
just let this guy get on with his season, either pay him or tell him you dont have the coin(or dont want to pay out of pocket) and tell him to go through insurance....but with you saying you have high rates i can only assume this isnt your first at bat.
i had a guy rear end me in a drive through get out and say crap, not again... his foot slipped off the clutch and he hit me, just like he did to someone else the week before.
he ponied up the cash to repair my bumper, i even got him staff price on all the parts and labor.. gave him the option of going to any cadillac dealer he wanted (or insurance), but it was going to be a caddy dealer not "bobs autobody" and i said he had 24hrs to choose or i was filing a claim..i saved him about 50% and i got a free rental so he saved even more and had the quote for him before lunch the day after he hit me.
edit..
wait ...large sedan?? what do you drive? i was assuming you were in a SUV...
Bagel09
Well-known member
I'm too lazy to go back and quote your post about the damage but hell yeah, you backed into the guys bike...enough to tip it over. You gotta think, when that thing tips there's 400+ pounds coming down onto the pavement. Speaking from experience of dropping a sportbike, to get it back to the previous condition I had to replace all of those parts you listed. See this is why everyone should ride supermotos, you'd just laugh it off dropping one of those
!
!2500Express
Well-known member
Just let it go through insurance, 2K is not enough IMO, sounds like he's trying to MAKE 2K cash from you and then get the insurance to pay damages and use whatever cash you gave him to fix other stuff. OP I admire your honesty but from those pics and the low price he is telling you, he's looking to make your insurance go up. Not worth it to stress over a couple thousand. let insurance handle it.
I'm not sure if anyone addressed this (I didn't read the other 6 pages) but in practice the Collision Reporting Centre DOES report the accident to your insurance company... Ask how I know...
you have fresh scratches (from the tip over) and rusty scratches. if they were the same incident then it would be equally rusted.
This. If you think he's looking to pocket some of it, and feel it's not fair - or you think it's a lot of money - then go through your insurance. That's why you've been paying for in on the car! I doubt your insurance would go up - at least if you have an otherwise completely long-standing clean record.
Dresden
Well-known member
And what would you say to him after he took your advice and his insurance company doubled/tripled his premium for the next 4-5 years?.
Year over year, my insurance cost increases fractionally. fyi I've never had a ticket or an accident....
it's important to keep a few facts in mind: with no-fault insurance, the biker's own insurance takes care of the motorcycle damage. The OP's insurance has nothing to do with the bike repairs. If the OP's insurance company becomes aware of the at-fault collision, the OP's premiums may increase, which he is trying to avoid.
if the OP's insurance company finds out that he didn't declare an at-fault collision (claim or no claim), the OP's insurance company has the right to drop him like a rock, which will place him on facility rates which will be 2-3 times what he's paying at present.
I would say, "That sucks." OP has 8 pages of advice/suggestion (good or bad), and his own darn brain to do research and draw upon his own final conclusion of what course of action he should take. I am not sure what a year-to-year fractional increase of your insurance premium has anything to do with an insurance premium increase that would occur as a direct result of an insurance claim - but whatever. Generally, I find my insurance premium has fractionally decreased year-to-year, except the years the insurance company has specifically stated they were increase premiums across the board.
Im gonna go buy a fairly new sportbike then park it behind vehicles I know need to back up to get out of a space.
Ideally big vehicles like SUVs and trucks. Then when it repeatedly gets knocked over I can get $2000 every time!
Brilliant! And righteous!
Ideally big vehicles like SUVs and trucks. Then when it repeatedly gets knocked over I can get $2000 every time!
Brilliant! And righteous!
Just squat yourself behind the truck, then you don't have any initial outlay plus you can get way more cashola for a crushed leg than scratched fairings.
Brillianter!
