95 Ultra Classic.
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Stage IV
Joined: Jun 2014
Posts: 4
Likes: 0
From: Anoka, Mn
95 Ultra Classic.
Suddenly won't start. Laid the bike down a week ago and insurance may total it. Is it worth it to mess with the coil if it MAY get totalled anyway. Might make it part of the insurance claim, but then the more money involved the better the chance of a totalled bike. 79000 miles, stage 1, teal and grey. Nice bike, but now having issues. Just need thoughts and opinions.
Elite HDF Member
Joined: Oct 2005
Posts: 3,872
Likes: 83
From: Canton, Michigan
How bad is the bike? Age alone will probably cause the insurance company to total it, but that doesn't mean you couldn't buy it back and fix her up. A 95 Ultra Classic, even with 80k on it, is still probably worth at least $5000. All depending on condition of paint, electronics, and mechanicals.
The NADA guide shows $3700 for 'good' and $8400 for 'very good' in your zip code. With 80k on the bike, I'd probably assume around $4500-$5000, maybe a bit more. But not much. Most insurance companies will total it if the repairs amount to more that the retail value. Actually they will total it, if the cost of repairs amount to a predetermine fractional value of retail price. So $2,000 worth of repairs might be a 'total'.
When I got hit back in 2003 (I-75 north of Atlanta), the motorcycle slid a good 100 feet. I tumbled a bit less than that.... Only real damage was to the front/rear crash bars and floorboard supports. All were ground down. I could have ridden the bike home, but with 3 or so fractured ribs and a punched lung, I put it in a U-Haul. The local HD dealership quoted repairs around $5500. The service dude wrote EVERYTHING up. I mean EVERYTHING dinged, dented, or scratched: Saddlebags, tank, side panels, front fender, mufflers, etc. The bike was ten years old (it was under $11,500 new), and I was sorta surprised the insurance company (State Farm) fixed it. But I figured they were going to get reimburse from the knucklehead who hit me. Even got my leather jacket replaced since the EMT's cut it off me.
The NADA guide shows $3700 for 'good' and $8400 for 'very good' in your zip code. With 80k on the bike, I'd probably assume around $4500-$5000, maybe a bit more. But not much. Most insurance companies will total it if the repairs amount to more that the retail value. Actually they will total it, if the cost of repairs amount to a predetermine fractional value of retail price. So $2,000 worth of repairs might be a 'total'.
When I got hit back in 2003 (I-75 north of Atlanta), the motorcycle slid a good 100 feet. I tumbled a bit less than that.... Only real damage was to the front/rear crash bars and floorboard supports. All were ground down. I could have ridden the bike home, but with 3 or so fractured ribs and a punched lung, I put it in a U-Haul. The local HD dealership quoted repairs around $5500. The service dude wrote EVERYTHING up. I mean EVERYTHING dinged, dented, or scratched: Saddlebags, tank, side panels, front fender, mufflers, etc. The bike was ten years old (it was under $11,500 new), and I was sorta surprised the insurance company (State Farm) fixed it. But I figured they were going to get reimburse from the knucklehead who hit me. Even got my leather jacket replaced since the EMT's cut it off me.
Last edited by Hackd; Jul 27, 2015 at 07:42 AM.
Stellar HDF Member
Joined: Jul 2011
Posts: 2,583
Likes: 115
From: Boston, MA
How bad is the bike? Age alone will probably cause the insurance company to total it, but that doesn't mean you couldn't buy it back and fix her up. A 95 Ultra Classic, even with 80k on it, is still probably worth at least $5000. All depending on condition of paint, electronics, and mechanicals.
The NADA guide shows $3700 for 'good' and $8400 for 'very good' in your zip code. With 80k on the bike, I'd probably assume around $4500-$5000, maybe a bit more. But not much. Most insurance companies will total it if the repairs amount to more that the retail value. Actually they will total it, if the cost of repairs amount to a predetermine fractional value of retail price. So $2,000 worth of repairs might be a 'total'.
When I got hit back in 2003 (I-75 north of Atlanta), the motorcycle slid a good 100 feet. I tumbled a bit less than that.... Only real damage was to the front/rear crash bars and floorboard supports. All were ground down. I could have ridden the bike home, but with 3 or so fractured ribs and a punched lung, I put it in a U-Haul. The local HD dealership quoted repairs around $5500. The service dude wrote EVERYTHING up. I mean EVERYTHING dinged, dented, or scratched: Saddlebags, tank, side panels, front fender, mufflers, etc. The bike was ten years old (it was under $11,500 new), and I was sorta surprised the insurance company (State Farm) fixed it. But I figured they were going to get reimburse from the knucklehead who hit me. Even got my leather jacket replaced since the EMT's cut it off me.
The NADA guide shows $3700 for 'good' and $8400 for 'very good' in your zip code. With 80k on the bike, I'd probably assume around $4500-$5000, maybe a bit more. But not much. Most insurance companies will total it if the repairs amount to more that the retail value. Actually they will total it, if the cost of repairs amount to a predetermine fractional value of retail price. So $2,000 worth of repairs might be a 'total'.
When I got hit back in 2003 (I-75 north of Atlanta), the motorcycle slid a good 100 feet. I tumbled a bit less than that.... Only real damage was to the front/rear crash bars and floorboard supports. All were ground down. I could have ridden the bike home, but with 3 or so fractured ribs and a punched lung, I put it in a U-Haul. The local HD dealership quoted repairs around $5500. The service dude wrote EVERYTHING up. I mean EVERYTHING dinged, dented, or scratched: Saddlebags, tank, side panels, front fender, mufflers, etc. The bike was ten years old (it was under $11,500 new), and I was sorta surprised the insurance company (State Farm) fixed it. But I figured they were going to get reimburse from the knucklehead who hit me. Even got my leather jacket replaced since the EMT's cut it off me.
I could not resist! Glad you're still here,
Tom
Elite HDF Member
Joined: Oct 2005
Posts: 3,872
Likes: 83
From: Canton, Michigan
Originally Posted by Tee⋁14247384
Wow Hack'd, what year knuckle was that? 1936 - 1947?
The Knucklehead that hit me was driving a 1993 White Ford Taurus. I seem to recall he was born in the the 60's so I guess that would have made him technically an Ironhead, a Panhead or a Shovelhead.
With all the high dollar Mercedes, Audi, BMW, Porsche, et al. steel rolling in the northern Atlanta 'burbs, I get taken out by a 10 year old Taurus....
OP: Post some pics of the damage.
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