Never been through this process before. Just asking to see what to expect.

Got clipped on my commute home. Currently, insurance company is working on determining if repair is worth it or not. If they say yes, I’m gonna have it towed to a local dealer to get it all fixed up. From the best of my memory, list of damage is….
-Hole in cam chest cover
-Damage to exhaust system
-Handlebars and all hand controls/mirrors
-Both foot control systems (pegs and shifters)
-Scraped up OEM Quarter Fairing
-Front Fender
-Not sure about frame/forks/wheels

Any idea how this goes? Many of my parts are aftermarket...will it be replaced with same or OEM stuff. Also, if they consider it a total loss, how much is the typical buy-back amount (only consider it if the frame is straight).

Thanks

 

sounds like a pretty hard crash. It may have sustained enough damage that the frame suffered tweaking.....It may never felt right when everything is replaced....sounds like a new bike is the best way to go.

 

Care to share your lane splitting collision circumstances?

 

One item that is often forgotten or left out is damages for loss of use. Make sure you tell the adjuster for the other guy's insurance company that you expect to get paid for the loss of use of your bike from the date of the accident to the day your bike is returned to you all fixed. Loss of use is equal to fair rental value. It's up to you to figure that out in your area.

 

Another aspect that's often forgotten is diminished value. In a nutshell, a bike that's never been wrecked might be worth, say, $10,000, but the same bike with a wreck on the carfax might only be worth $8,000.

That $2000 difference is the diminished value, and should be part of your claim, whether it's your policy or the other driver's.

As for totalling it out ... if they decide the damages are more than xx% of the bike's value (50%? 70% policies vary) they'll call it totalled. Buyback value is whatever they decide it's worth - so the $10,000 bike with $6,000 in damages would be "worth" $4,000 to buy it back.

Some companies will negotiate the buyback value, rather than take their loss at auction. I've heard of guys getting stupid good deals and winding up with a salvage titled bike that's better than ever. Some states require a builder/shop to be certified to title a salvage bike, which could be a pain in the butt.

 

Would that depend on who is at fault?

 

Thanks for some of excellent info, especially JHL. Certainly gave me a glimpse on what to expect. I kind of hope they total it. I do remember there is a whole in the cam cover, exposing the inside to the elements for the past 2.5 weeks, and it's been raining in Cali alot this year.

For what it's worth, I was lane-splitting in the HOV lane, a driver exited the HOV, crossing the double-yellows, I did not have the time nor space to avoid the car which resulted in a collision. The force of the first impact put me into the back of a pick-up truck was in another lane.
I thank my lucky stars this happened in rush hour traffic, which meant it was at relatively low speed (around 30-40MPH). If this happened in non-traffic conditions, most likely I would not be here due to the speeds and possible secondary impacts from other cars.

Thanks again.