1st time dropped.... ouch
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Tourer
Joined: Aug 2012
Posts: 372
Likes: 127
From: St. Louis
1st time dropped.... ouch
Damn my luck.... Thursday night making a routine 50mph banked turned off expressway and hit something slick. I drive this same road everyday..... anyway back tire came out off we went.
I blacked out when my head hit ground. When I woke up the cops were there already as well as some concerned cagers.
2013 flhx
Visually damaged:
Fender
Rim
Tire
Engine guard bent into gas tank
Gas tank
Floor boards
Both bags
Inner+outer fairing cracked
exhaust mufflers
Tons of little parts too....
I'm sure there is more....
I went by dealer Saturday and he said they will get me an estimate early this week, but visually he sees about 6k in damage (parts alone)- they will have to see if frame is tweaked at all... and repair cost could rise quickly.
By grace of god, I suffered a severe concussion, bruised ribs and pelvis, and a slew of road rash... no broken bones. Thank god for MO helmet laws as it appears my helmet skid across the ground for quite some way, and the Dr told me I would be missing half my head or possibly dead without it. Pain is horrendous, and PCS is real!
I have state farm insurance and filed a claim when I got out of hospital saturday, bike was dropped off at dealer Friday morning.
Should I be worried about the bike possibly being totaled? Anyone familiar with state farm and threshold of value vs damage ?
I am posting from mobile phone and can not upload pics, but will try from office on monday.
Take care all. Thanks in advance.
I blacked out when my head hit ground. When I woke up the cops were there already as well as some concerned cagers.
2013 flhx
Visually damaged:
Fender
Rim
Tire
Engine guard bent into gas tank
Gas tank
Floor boards
Both bags
Inner+outer fairing cracked
exhaust mufflers
Tons of little parts too....
I'm sure there is more....
I went by dealer Saturday and he said they will get me an estimate early this week, but visually he sees about 6k in damage (parts alone)- they will have to see if frame is tweaked at all... and repair cost could rise quickly.
By grace of god, I suffered a severe concussion, bruised ribs and pelvis, and a slew of road rash... no broken bones. Thank god for MO helmet laws as it appears my helmet skid across the ground for quite some way, and the Dr told me I would be missing half my head or possibly dead without it. Pain is horrendous, and PCS is real!
I have state farm insurance and filed a claim when I got out of hospital saturday, bike was dropped off at dealer Friday morning.
Should I be worried about the bike possibly being totaled? Anyone familiar with state farm and threshold of value vs damage ?
I am posting from mobile phone and can not upload pics, but will try from office on monday.
Take care all. Thanks in advance.
Grand HDF Member
Joined: Mar 2013
Posts: 4,922
Likes: 589
From: Running with the gators
Tell me you do not have a loan on your bike. If you do tell me your not upside down in your loan. If you answered no on a loan or upside down, your fine minus your deductible. Let them total it. That's what I would rather have.
Ultimate HDF Member
Joined: Dec 2006
Posts: 5,878
Likes: 17
From: The Desert SouthWest
Wow so glad you're not too badly hurt - could be much worse. Road rash is terrible and heals slowly. I've been down twice and both times my helmet saved me. One got me the LifeFlight ride.
Take care of yourself and REST. The insurance company will take care of things. Both times I had no problems and was treated fairly.
Keep us posted on things and thanks for the grim reminder...
Take care of yourself and REST. The insurance company will take care of things. Both times I had no problems and was treated fairly.
Keep us posted on things and thanks for the grim reminder...
Elite HDF Member
Joined: Apr 2009
Posts: 3,542
Likes: 161
From: Booming metropolis
My bike is an 09 and insurance valued it at 19k a year and a half ago, but accessories bumped it up well over that and my bike was repaired. I believe they repair up to 70% of value. Yours will be more because it's newer.
Edit, your list of damage is very similar to mine except I had a tour pack and painted lowers. The insurance is going to replace parts at the cost of stock cost unless you have additional accessory coverage.
Last edited by hog95023; Jun 8, 2014 at 01:58 PM.
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Elite HDF Member
Joined: Apr 2009
Posts: 3,542
Likes: 161
From: Booming metropolis
If they are going to repair it and do a frame swap, now would be a good time to do a chrome inner primary as it won't cost any labor if you are in to chrome. I did mine and it looked pretty sharp. Also may consider a painted inner fairing as you won't pay labor and only the difference in cost from the stock one and the painted one. I think the stock non painted inner fairing is only valued at approx 134.00
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Stellar HDF Member
Joined: Oct 2008
Posts: 2,085
Likes: 154
From: Buffalo, NY
Who cares you get another. Be more worried about the health of yourself, now that's important