Ahh damn.
Ahh damn.
Was getting the bike ready for bike week in Ocean City MD this week, and I took it out for a spin after changing the oil and T-fluid. I was a mile from my house and some 18 year old kid in a 2013 Dodge Charger pulled a left turn from a stop sign and ran directly into me. I did a nice one and a half gainer and landed on my left foot and shoulder. Since my phone was intact, I decided to snap a couple of pics while waiting for the ambulance.
The pictures show how far I was thrown from the bike...
The pictures show how far I was thrown from the bike...
Looking at that I have no idea how I escaped with a sprained ankle and a dislocated shoulder. I ripped my jeans on my fight knee and have a tiny scratch on my right elbow. Its nothing short of a miracle.
I went to the towing yard the next day and took some pics of the damage. I think its totaled...
Looking on the bright side, the kid is 100% at fault (says so on the accident report). I have almost $10K in add ons and mods on my bike, so I am hoping to get $25K out of his insurance company, which will just about cover the cost of a 2014 limited...
Unfortunately, I will be out of action for a couple of months - my shoulder just popped back out this morning, so I don't think it's going to ever heal quite right, so I think I need to see a lawyer about this.
The pictures show how far I was thrown from the bike...
The pictures show how far I was thrown from the bike...
Looking at that I have no idea how I escaped with a sprained ankle and a dislocated shoulder. I ripped my jeans on my fight knee and have a tiny scratch on my right elbow. Its nothing short of a miracle.
I went to the towing yard the next day and took some pics of the damage. I think its totaled...
Looking on the bright side, the kid is 100% at fault (says so on the accident report). I have almost $10K in add ons and mods on my bike, so I am hoping to get $25K out of his insurance company, which will just about cover the cost of a 2014 limited...
Unfortunately, I will be out of action for a couple of months - my shoulder just popped back out this morning, so I don't think it's going to ever heal quite right, so I think I need to see a lawyer about this.
Ultimate HDF Member
Joined: May 2008
Posts: 7,439
Likes: 884
From: 'Noke, VA
Glad you're reasonably OK.
The bike doesn't look that bad though. As long as the repair estimate is less than 75% of the bike's value, it won't be totaled. If you don't want it back (I wouldn't) make it very clear to your insurance company that you will not accept anything other than a new bike.
The bike doesn't look that bad though. As long as the repair estimate is less than 75% of the bike's value, it won't be totaled. If you don't want it back (I wouldn't) make it very clear to your insurance company that you will not accept anything other than a new bike.
Glad it wasn't worse. Bikes can be replaced. Hope you're back on the road soon.
Bike looks totaled. Maybe you'll get an upgrade for your troubles.
Bike looks totaled. Maybe you'll get an upgrade for your troubles.
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Tourer
Joined: Jan 2013
Posts: 264
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From: Houston, Tx
Glad you're reasonably OK.
The bike doesn't look that bad though. As long as the repair estimate is less than 75% of the bike's value, it won't be totaled. If you don't want it back (I wouldn't) make it very clear to your insurance company that you will not accept anything other than a new bike.
The bike doesn't look that bad though. As long as the repair estimate is less than 75% of the bike's value, it won't be totaled. If you don't want it back (I wouldn't) make it very clear to your insurance company that you will not accept anything other than a new bike.
Good luck with that. He'd have a better chance of that happening with the other driver's insurance than his own. The bike isn't going to Total either...at least not strictly from a damage stand point. Most insurance companies will account for your accessories toward the value of the bike when considering total value for the purposes of a possible total loss. If you calculate the bike to be worth about 20-25k they probably will too when determining if it is repairable or not. 75% isn't accurate either. Salvage value is usually quoted at around 30-40% of the total value on a Harley so it would be more like an estimate over 60% might total it. In other words, if your bike is worth 15k retail from NADA plus 10k in CPE (Custom Parts & Equipment) then the ACV ( actual cash value ) would be considered 25k. STRICTLY based on the ACV....the salvage value on your bike would be 10k. Soooooo, the breakeven on your bike would be about 15k on the estimate before it reached ttl.
NOW, I didn't factor in state taxes and/ or local fees like registration and title fees that we usually pro-rate as well. So they would actually be able to write a 16k estimate before the bike would be deemed a total loss.
At least that's how it works when I write damages.
Last edited by Jarhead Red; Sep 14, 2013 at 01:01 PM.
