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Motorcycle Insurance DiscussionThis is the place to discuss what type of Motorcycle Insurance you carry or any problems or good experiences you've had with certain companies.
I had an accident earlier this year (Read about it here...) and everyone from the Sherriff at the scene to the insurance company and dealer repairing the bike have been awesome. The one question I've had in the back of my mind about all of it is.....why are they handling the repair the way they are?
Ultimately, what my adjuster told me would happen and what the dealership has done is....order all the parts that need paint and send them to the factory while the bike sits with an unknown fate until the parts return from paint. Then are they going to take the bike apart and inspect everything else (head bearings, fork straightness, motor etc.) to verify the rest of the bike is good to go before reassembly and final test rides. If they find anything else wrong on the teardown, they'll write supplementals and go from there. That seems backwards to me. Why wouldn't they tear the whole bike down and inspect everything to make sure I don't have some hidden issue that will total the bike or require major work before ordering anything? Seems like I could be in quite the situation if the brand-new painted parts come back and then they find something that either totals the bike or takes forever to fix. Is this process normal? PFA.
Interesting. They could find issues upon disassembly, but they probably have already done some inspections without major disassembly. If the dealership has ordered painted parts, then they are pretty sure of themselves.
Depending on the age of the bike damage parts are most often replaced not painted. If repainted They go to a place like CVP and it takes time. An authorized HD painter .
No way insurance would authorize any repairs without a detailed estimate of ALL damage. At least what the eye can see with minor disassembly.
Insurance doesn't even pay a shop to do an estimate, so the shop may be trying to get some action.
There making sure they have a foot in the door? Maybe??
Huh?
Originally Posted by smitty901
Depending on the age of the bike damage parts are most often replaced not painted. If repainted They go to a place like CVP and it takes time. An authorized HD painter .
So, thats precisely what they did on both accounts. They ordered new parts, that needed painting, and sent them to the factory to be painted.
Originally Posted by BrandonSmith
No way insurance would authorize any repairs without a detailed estimate of ALL damage. At least what the eye can see with minor disassembly.
Insurance doesn't even pay a shop to do an estimate, so the shop may be trying to get some action.
Hate to tell you, but thats exactly what they did. They did a cursory look, cut a check to put them to work then said theyd cover anything else in a supplemental.
I would figured out what the bike was worth then the payout for the damage the dealer say it needed. Get a trade in value and trade it in for a new one.
I would figured out what the bike was worth then the payout for the damage the dealer say it needed. Get a trade in value and trade it in for a new one.
I mean, I guess that works if you like handing the dealer money. Or if I didnt want my bike back. Neither of those is the case for me however.
Went through this a couple of years ago, they do NOT want the bike disassembled before their inspection. They want to see it as is from the accident, they have no issues writing more checks if additional damage is found. Not the way any of us would do it in our home, but it is they way the adjusters do things.
10 years ago I get into a front end accident with my VW, drive it to the drive thru adjuster. The hood does not open due to accident, adjuster does not want to take the chance of opening it and then it will not close and make the car undriveable. Same thing, once it was at the body shop and pulled apart, the adjuster went there and wrote a second check for all of the unforeseen broken parts.
When I clobbered bambi on a metric cruiser, my insurance company issued two payments to the bike shop that did the repairs. One for what they estimated at first, then another after they got into the bike.
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What's the purpose of proceeding this way....
