File for claim, or keep quiet
Outstanding HDF Member
Joined: Aug 2010
Posts: 3,498
Likes: 128
I wouldn't fix anything before a adjuster looked at the bike. I'd take a lot of pictures of the bike to focusing in on damage. I'd let the insurance pay for it because even if your premiums go up, they won't go up enough to cover the out of pocket to fix it yourself. Your guessing 5K with a 1K deductable. Well thats 4K worth of premiums and even if they raise the rates, it won't be that much even spread out over several years. That would be a $400 increase for 10 years. If you pay for all of it, that's 5K out of your pocket which is way more than any premium increase you may get and the 5K out of pocket won't be spread out over time like any premium increase would be.
Road Captain
Joined: Sep 2005
Posts: 619
Likes: 0
From: Northeast U.S.
Did you sign the Uniform Traffic Ticket?
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Joined: Aug 2010
Posts: 70
Likes: 0
From: Michigan
I would say depends on the est of damages total. I sell insurance, and the thing most people dont realize is the at fault accident will not only raise your cycle insurance, but your car insurance as well for the next 3 years.
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Joined: Aug 2010
Posts: 70
Likes: 0
From: Michigan
They will know about it because of the failure to yeild ticket. The only way they will pull the report is if he turns it in
Road Captain
Joined: Jun 2008
Posts: 572
Likes: 6
From: Ft. Worth, Texas
I would definately file a claim. People say your insurance will go up but SO WHAT!? You have a big hospital bill, and a trashed bike.
Btw, i had progressive for a Buell i had. I was going around a sweeping corner and hit gravel, went off the road into the ditch and totalled the bike. Progressive sent someone out the next morning(i called it in on a sunday), promptly paid me for the totalled bike, let me buy it back for $400, contacted 2 years later to tell me that they messed up on my accessorie coverage, and sent me ANOTHER check for $2000, and my RATES NEVER WENT UP NOT ONE PENNY!!!
Even if your rates went up, how long would it take to pay in insurance the money you will spend in medical bills, and repair of your motorcycle...?? The pros outweigh the cons in this situation IMO
Btw, i had progressive for a Buell i had. I was going around a sweeping corner and hit gravel, went off the road into the ditch and totalled the bike. Progressive sent someone out the next morning(i called it in on a sunday), promptly paid me for the totalled bike, let me buy it back for $400, contacted 2 years later to tell me that they messed up on my accessorie coverage, and sent me ANOTHER check for $2000, and my RATES NEVER WENT UP NOT ONE PENNY!!!
Even if your rates went up, how long would it take to pay in insurance the money you will spend in medical bills, and repair of your motorcycle...?? The pros outweigh the cons in this situation IMO
Seasoned HDF Member
Joined: Jan 2007
Posts: 20,616
Likes: 4,440
From: anacoco, la
i'm not totally sure, but doesn't progressive have that 'accident forgiveness' thing too? they will also cover up to 3k of your aftermarket add ons (inc your helmet, jacket, etc)
you're not going to get a salvage title unless the bike is considered totaled. from your initial post, i'm not seeing that.
you're not going to get a salvage title unless the bike is considered totaled. from your initial post, i'm not seeing that.
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Advanced
Joined: Aug 2010
Posts: 70
Likes: 0
From: Michigan
I would definately file a claim. People say your insurance will go up but SO WHAT!? You have a big hospital bill, and a trashed bike.
Btw, i had progressive for a Buell i had. I was going around a sweeping corner and hit gravel, went off the road into the ditch and totalled the bike. Progressive sent someone out the next morning(i called it in on a sunday), promptly paid me for the totalled bike, let me buy it back for $400, contacted 2 years later to tell me that they messed up on my accessorie coverage, and sent me ANOTHER check for $2000, and my RATES NEVER WENT UP NOT ONE PENNY!!!
Even if your rates went up, how long would it take to pay in insurance the money you will spend in medical bills, and repair of your motorcycle...?? The pros outweigh the cons in this situation IMO
Btw, i had progressive for a Buell i had. I was going around a sweeping corner and hit gravel, went off the road into the ditch and totalled the bike. Progressive sent someone out the next morning(i called it in on a sunday), promptly paid me for the totalled bike, let me buy it back for $400, contacted 2 years later to tell me that they messed up on my accessorie coverage, and sent me ANOTHER check for $2000, and my RATES NEVER WENT UP NOT ONE PENNY!!!
Even if your rates went up, how long would it take to pay in insurance the money you will spend in medical bills, and repair of your motorcycle...?? The pros outweigh the cons in this situation IMO
Just because you pay for insurance doesnt always mean turn in a claim. Just like the people who turn in a 600 dollar home claim because their deductible is 500 bucks. "Well thats what i have insruance for..." No, what you have insurance for is the big losses, not to be paid out a hundred or even a few hundred and cause the rest of our rates to increase (thanks jacka$$).
This is one thing I can never get through to people. you have your deductible, and rate increases, say on your auto for 3 years. If the total amt of damages is a hundred or two above that, I would say pay out of pocket, if its a grand or more, turn it in.
Someone mentioned accident forgivness, he might have that on his policy, but it will still raise his rates for his auto insurance.
And no, the insurance company will never know of the at fault accident until he turns in the claim. Never turns it in, they will never know about it.
Tourer
Joined: Sep 2010
Posts: 340
Likes: 0
From: Columbia, MD
He's saying at least 5 grand just in bike, and he probably forgot accessories/gear.
That's why I'd turn it in. I'd never turn in a claim to get a few $100 back either.