Frame damage
Road Warrior
Joined: Feb 2009
Posts: 1,274
Likes: 130
From: Now Western TN
yeah, i did start the claim process, but i haven't done anything other than have a claim number assigned. no adjuster till the first week in October. like i said earlier, i now a great welder. i might just do it that way. it wasn't an accident, it was a road hazard, isn't there a difference?
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Road Warrior
Joined: Apr 2010
Posts: 1,833
Likes: 35
From: Southern Maryland
OP/Tom,
Sorry to hear about your debris hit on the WW bridge. I was stationed at Bolling AFB fm 1995-2000 and that cross-over was "always" riddled w/$hit. Personally, I had to replace a windshield on my primary vehicle (something flew-up fm car in front) & a co-worker had a "driveshaft" impale through the rear/underbelly of his car (literally launched in air...similar to your hit). Hoping your bud/insurance throws you a bone and either (1) full frame repair, or (2) total bike. Keep us posted & be safe on those "crazy" DC Metro roads. I don't miss them one bit.
Sorry to hear about your debris hit on the WW bridge. I was stationed at Bolling AFB fm 1995-2000 and that cross-over was "always" riddled w/$hit. Personally, I had to replace a windshield on my primary vehicle (something flew-up fm car in front) & a co-worker had a "driveshaft" impale through the rear/underbelly of his car (literally launched in air...similar to your hit). Hoping your bud/insurance throws you a bone and either (1) full frame repair, or (2) total bike. Keep us posted & be safe on those "crazy" DC Metro roads. I don't miss them one bit.
i haven't had the opportunity to talk to my agent yet i'd like to get his "off the record" advice and hopefully our long time friendship will provide two avenues of action....one as a customer and one as what he might do.
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Road Warrior
Joined: Apr 2010
Posts: 1,833
Likes: 35
From: Southern Maryland
Yes there is with Allstate, at least here in PA. Even hitting a deer is not considered against your premiums. Did $4500 of damage on my old Dodge Ram and my rates stayed the same. I would ask your agent, usually they will tell you if it could affect your rates and if it does then you have the choice not to claim it (take the check). Just getting a claim number from them won't automatically raise your rates.
Last edited by cass; Sep 24, 2017 at 08:07 AM.
Banned
Joined: Sep 2017
Posts: 3,250
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From: Nomad
Isn't it classed as an "act of god", as long as your god is not Diana?
(* That's one for the Roman historians there).
I'll be interested to see how this pans out, so please let us know. If you end up with a new frame, it'll always be a plus when it comes to sell. For an extra $200s or so, it makes sense to swop out the tranny pan "just in case".
Got anything else to do while the engine is being taken out of the frame, e.g. change the pulley/gearing, fit a Tour-trak, pay the upgrade for a Baker pan?
I can't but help think how luck you've been ... a split second either way and it could have gone through one of your cases.
I had a similar accident once and pulled a sump plug right out of an engine. Pretty much dumped all the engine oil on the rear tire straight away. Thought I had a flat the way it was weaving around. Luckily I caught the oil light as soon as it lit up. The only time in my life I'd seen one actually work. Put the all blame on dating a too fat chick squashing the suspension down that time! Insurance companies should have a clause against them.
Last edited by Wodan; Sep 24, 2017 at 06:55 PM.
Extreme HDF Member
Joined: Jun 2011
Posts: 14,731
Likes: 2,535
From: Mountain Top, Alabama
My deer hits here have all been treated as comprehensive claims by State Farm, no foul.
I have heard of some insurance companies regarding just about anything as "Incidents" that may raise your rates at some time based on some funky azz formula.
I have heard of some insurance companies regarding just about anything as "Incidents" that may raise your rates at some time based on some funky azz formula.
Seasoned HDF Member
Joined: Dec 2005
Posts: 19,830
Likes: 7,968
From: poway
If you look closely at where the cross piece ties to the frame you there is a crack running along the tube.. While this can be repaired most shops will want to replace the frame... The main purpose of the cross brace is to keep the frame from spreading at the swing arm mount point..
Seasoned HDF Member
Joined: Dec 2005
Posts: 19,830
Likes: 7,968
From: poway
Around here... If the object hit was laying in the road, it's the drivers fault.. If it's moving, it doesn't go against the drivers insurance.
HDF Community Team
Joined: Nov 2012
Posts: 6,186
Likes: 2,412
From: USA
Pretty sure that's just cracked paint being pushed off by the rust.
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Seasoned HDF Member
Joined: Dec 2005
Posts: 19,830
Likes: 7,968
From: poway
It looks like a crack to me.. Should be easy to see in person.. You can see a place where the metal displaced between the 2 tears..
Banned
Joined: Sep 2017
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From: Nomad
This is just an aside, not necessarily specific advice for this case, when such a thing happens, it's often possible to use it as an opportunity to carry out an "upgrade" rather than carry the burden of a fault.
For example, replacing the webbing - or part therefo - with a proper strut/square section tube and, as I suggested before, a built in alternative to what you pay $100s to True-Trak etc to bolt on.
That way you can still sell the bike but with a plus rather than a minus.
More of an option where you have to live with it, or pay for it yourself, rather than be bailed out by the insurance company.
The math all comes down to what they say and how much discount he has to lose, over how many policies. It is possible to come out ahead of the insurance companies - but not very often.
In my case, it would go as a strike against the rider. Have they offered to total the bike yet?
For example, replacing the webbing - or part therefo - with a proper strut/square section tube and, as I suggested before, a built in alternative to what you pay $100s to True-Trak etc to bolt on.
That way you can still sell the bike but with a plus rather than a minus.
More of an option where you have to live with it, or pay for it yourself, rather than be bailed out by the insurance company.
The math all comes down to what they say and how much discount he has to lose, over how many policies. It is possible to come out ahead of the insurance companies - but not very often.
In my case, it would go as a strike against the rider. Have they offered to total the bike yet?