any advice on how to fix this?
Thread Starter
|
Cruiser
Joined: Feb 2007
Posts: 118
Likes: 0
From: Valley Village, Ca.
RE: any advice on how to fix this?
i'd lose a lot of money, something like 5g's, with all the money i put into it so far, i'm into it for somewhere around 18k. they dont want to give me what its worth. the insurnce co. wants to give me 9k.
Thread Starter
|
Cruiser
Joined: Feb 2007
Posts: 118
Likes: 0
From: Valley Village, Ca.
RE: any advice on how to fix this?
trotter,
there's other cosmetic damage as well. they figure the parts and labor to fix it is around 7500
jackyl,
that's what i'm thinking too, will it be solid enough to mount the engine guard?
hspring03,
you're absolutely right, i don't want a salvaged title, there's no damage to the frame other than the mounting tab and the rest of the other damage is cosmetic.
there's other cosmetic damage as well. they figure the parts and labor to fix it is around 7500
jackyl,
that's what i'm thinking too, will it be solid enough to mount the engine guard?
hspring03,
you're absolutely right, i don't want a salvaged title, there's no damage to the frame other than the mounting tab and the rest of the other damage is cosmetic.
Tourer
Joined: Oct 2007
Posts: 439
Likes: 22
From: League City, Texas
RE: any advice on how to fix this?
Insurance companies will total a vehicle if the cost of repair is a certain % of the value of the vehicle. Ex: Some insurance companies will go by trade in value and if it cost over 60% of trade in to fix it, they will total it. Some companies use retail and some use trade in. But dont go pull out the old Kelly blue book for values....most will call around to dealers to see what the dealer would give for trade or retail, then get an average value from that. I dont have any good idea on how to get your bike fixed and keep it. If its a dealership, you might want to talk to the service guy, cause the Ins co is going by the estimate done by the shop. Maybe have him revise the estimate or something. Explain the situation. If its not done at a shop and the estimate is by the Ins co.....then get it to a shop. Ins Co estimates are shaky at best.
Elite HDF Member
Joined: Feb 2006
Posts: 4,051
Likes: 8
From: Detroit Michigan
RE: any advice on how to fix this?
ORIGINAL: bdasource
jackyl,
that's what i'm thinking too, will it be solid enough to mount the engine guard?
hspring03,
you're absolutely right, i don't want a salvaged title, there's no damage to the frame other than the mounting tab and the rest of the other damage is cosmetic.
jackyl,
that's what i'm thinking too, will it be solid enough to mount the engine guard?
hspring03,
you're absolutely right, i don't want a salvaged title, there's no damage to the frame other than the mounting tab and the rest of the other damage is cosmetic.
but if you can buy it off the ins. company for like $1500 to $2000 after they total it. then who cares if it has a salvage title. you know what happen to the bike. if you dont kiss and tell then no one will know it has a salvage title. and then you have a good bike for 1500. and if you sell it, what you get over the $1500 is all good
. jackyl
Elite HDF Member
Joined: Apr 2007
Posts: 4,984
Likes: 8
RE: any advice on how to fix this?
I would think they will replace a frame rather than weld on it. if the dealer says it has to be replaced or welded on not much you can do. I know it is after the fact but next time get the extra insurance to cover your upgrades, progressive offers it I think. I would not want anything with a salvage title myself. you eat it on resale. What would happen if you bought it back from them repaired it for now and later replaced the frame would it still be a salvage title? I would think so. sorry to hear about your misfortune.
Advanced
Joined: Nov 2007
Posts: 67
Likes: 0
From: Penna. Furnace, PA.
RE: any advice on how to fix this?
I work in a collision shop here in PA. Most insur. co's here will go up to a % of the book value of the vehicle. Most times 80%. that damage doesn't sound close to me. I would get estamates (at least 2)for the cost of repair and see what you got. If it takes $6000.00 to repair a $20k + bike I would be questioning them why they won't fix it. If they still total the bike unbolt every frigging add on you did (if you can)and put them on your new bike.
HD Forum Stories
The Best of Harley-Davidson for Lifelong Riders
6 Weirdest Harley-Davidsons Ever Sold to the Public
Verdad Gallardo
7 Times Harley-Davidson Chucked Tradition Out the Window
Verdad Gallardo
7 Surprising Harley-Davidson Products that Are Not Motorcycles
Verdad Gallardo
8 Best Harley-Davidson Motorcycles Ever
Pouria Savadkouei
10 Worst Harley-Davidson Motorcycles Ever
Pouria Savadkouei
Killer Custom's Jail Break Is The Breakout That Refused to Blend In
Verdad Gallardo
Crazy Bunderbike Build Looks Amazing, But Is It Impossible to Ride?
Verdad Gallardo
Harley-Davidson Reveals Super Cool Cafe Racer Concept
Verdad Gallardo
Engraved Rebellion: Inside Bundnerbike's Glam Rock II
Verdad Gallardo
Cruiser
Joined: Sep 2006
Posts: 121
Likes: 0
From: Hershey, PA
RE: any advice on how to fix this?
I don't know, this doesn't sound right to me. Insurance companies are not quick to total anything in my experience.
I just looked at my bike in the same area and it seems to me to tear off that bracket, the frame would have to take quite a bit of force; possibly the frame is damaged beyond just a bent bracket. I would think that the frame would have been torqued pretty well by the engine guard to tear that bracket like that.
The shop may not want to touch it because they believe there is hidden damage and tearing it down will just get them in deep and the insurance company won't authorize additional for the repairs.
I just looked at my bike in the same area and it seems to me to tear off that bracket, the frame would have to take quite a bit of force; possibly the frame is damaged beyond just a bent bracket. I would think that the frame would have been torqued pretty well by the engine guard to tear that bracket like that.
The shop may not want to touch it because they believe there is hidden damage and tearing it down will just get them in deep and the insurance company won't authorize additional for the repairs.
Tourer
Joined: Oct 2007
Posts: 319
Likes: 1
From: Ventura, Ca.
RE: any advice on how to fix this?
Looks like a resaonably easy fix to me. anyone with a decent welder can fill that hole, clean it up and paint it ane you're done.
Fisrt things firwt though. call your adjuster and negotiate a settlement that allows you to keep the bike and the money. i would think you'd come out ahead. don't minimize the damage to the adjuster - he probably knows dick about bikes so the easy thing to do is total it out.
Fisrt things firwt though. call your adjuster and negotiate a settlement that allows you to keep the bike and the money. i would think you'd come out ahead. don't minimize the damage to the adjuster - he probably knows dick about bikes so the easy thing to do is total it out.