Insurance q - Chicagoland Sportbikes
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post #1 of 16 (permalink) Old 08-23-2004, 11:12 AM Thread Starter
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Insurance q

Did anyone claim the collision on a bike ? What whould they need to process such claim ? I don't have a police report but plenty of witnesses.... I 'm trying to figure if it is worth risking insurance history if bike cost me 35 hundred ...
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post #2 of 16 (permalink) Old 08-23-2004, 11:29 AM
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How much is your deductible? If you know some people who can fix it rather cheaply, then just fix it yourself...Otherwise, my friends who have claimed their accident on insurance say that their rates really didn't go up much at all afterwards...
post #3 of 16 (permalink) Old 08-23-2004, 11:38 AM Thread Starter
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500. Every piece of fairing is broken in someway. tail of the frame is bent , possible the rest of it too.
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post #4 of 16 (permalink) Old 08-23-2004, 11:50 AM
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It sounds like it could cost more than $500 to fix, so I would definitely claim it. Just call your agent and explain. You're probably gonna want to go to 4&6 to get it computracked to make sure the frame is safe to ride.
post #5 of 16 (permalink) Old 08-23-2004, 11:52 AM
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I dumped mine on the street a few years ago. It wasn't messed up enough that I couldn't ride. So I rode it home and called my insurance agent, I didn't call the police to fill out a report as there were several guys that I was riding with.

The total damage to the bike was well over the $500 deductable. I had to have the CC Auditer come and take a look at it so they could get their own comparison quote.

I think my insurance only went up like $50/yr for 3 years.

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post #6 of 16 (permalink) Old 08-23-2004, 11:54 AM
 
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Thatís a tough call. If you report it, the insurance company is not going to like it that there is no police report. Further, if you do report it you will pay $500 deductible plus, your insurer will most likely raise your rates (or drop you depending on your age and history and who your insurer is).

I would quickly get a few quotes and that way you can see what you will be out-of-pocket if you decide to pay for it yourself.
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post #7 of 16 (permalink) Old 08-23-2004, 04:37 PM
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If your frame is bent. the bike is toasted by the insurance regulations. You do not need police report as far as I know. Don't forget that you can claim your helmet. but no other gear. My body dropped his YZF600 and there was not much damage, but there were scratches on the frame. Insur. totaled the bike and he also got a new helmet with the deal. If your damage is that extensive (3500) and you are not claiming every other month. You will be OK making this claim.

For more insurance questions and to get a new policy with the good rate call my good friend Kate at 1-773-685-9400. Or talk to her on the Flat 4 ride. She and Spas (her husband) are coming.

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post #8 of 16 (permalink) Old 08-23-2004, 04:57 PM
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Quote:
Originally posted by DieselBoy
500. Every piece of fairing is broken in someway. tail of the frame is bent , possible the rest of it too.
depends if they total it or not.

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post #9 of 16 (permalink) Old 08-23-2004, 05:01 PM
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Quote:
Originally posted by Cougar8000
For more insurance questions and to get a new policy with the good rate call my good friend Kate at 1-773-685-9400. Or talk to her on the Flat 4 ride. She and Spas (her husband) are coming.
she an agent? i met her back on the starved rock ride.. she rides a yellow F4

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post #10 of 16 (permalink) Old 08-23-2004, 05:54 PM
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In the long run, it really might be cheaper to just rebuild it yourself. Try eBay, etc. Not worth the risk of getting dropped, or paying higher rates, etc.

Not sure about the EX500, but on most bikes the subframe is replaceable. The main frame can be checked and straightened if need be for reasonable $ (try calling Matt @ MD Racing - www.mdracingstp.com) Rims can be found for cheap if you look hard enough, etc.

I claimed my old CBR1000 once (~10 years ago.) Pretty painless, but State Farm is also very easy to deal with. I have since fixed every other crash I've had out of my own pocket, and it hasn't been too terribly expensive. It's nice having a "safe driver discount" on my insurance policy

Jim Ptak
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post #11 of 16 (permalink) Old 08-23-2004, 06:31 PM
 
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Re: Insurance q

Quote:
Originally posted by DieselBoy
Did anyone claim the collision on a bike ? What whould they need to process such claim ? I don't have a police report but plenty of witnesses.... I 'm trying to figure if it is worth risking insurance history if bike cost me 35 hundred ...
Plenty of witnesses to WHAT exactly? Did someone else make you crash(only way that would be is if they HIT you), or did ya go down all on your own?

If you were stuntin, I wouldn't bother claiming it...they'll most likely NOT pay AND it goes on your record so to speak.(insurance knows you had an accident and rates go up)
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post #12 of 16 (permalink) Old 08-23-2004, 06:43 PM
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it shows you have been riding less than a year. i don't know how old you are but that can be an issue. don't know what year your bike is either. these are some variables that can result in HIGHER rates....without knowing that info i would probably not claim it.

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post #13 of 16 (permalink) Old 08-23-2004, 07:11 PM
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Diesel lowsided a curve and did the slide for life into some foliage. Myself and 3 others from the board were riding behind him and witnessed it.
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post #14 of 16 (permalink) Old 08-23-2004, 07:27 PM
 
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Re: Re: Insurance q

Quote:
Originally posted by taziscool

If you were stuntin,
I can do stunts. Only once though. And last sat. was not the right day for a lifetime oportunity
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post #15 of 16 (permalink) Old 08-23-2004, 08:30 PM
 
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If total damage is over a G, I'd claim it, I think you'd pay less in insurance cost raises than a 1000 over the course of X years.
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post #16 of 16 (permalink) Old 08-24-2004, 09:27 AM
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Quote:
Originally posted by MoparBoyy
she an agent? i met her back on the starved rock ride.. she rides a yellow F4
Yes she is. We have a contract that I am the only one that can pimp her So go call her. don't make me come and make you call her

Alex - Certifiable MSF Instructor
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