Ducati Monster Forum

I went down this morning, exiting richmond parkway.
A guy took my rear wheel off while he exit the 80.
Bike is ruined. All my gear is dead.

I got very lucky as I got only my right wrist broken.
Safety gear does save life!

I know i should be glad and thankfull being alive but, seriously it sucks...
Not mentionning the discussion I am gonna have with my wife about riding again... :-\

That sucks, sorry to hear it. >:(  :(

Best of luck healing up and let us know if there is anything we can help with.

OMG!!!

So glad your ok!!!!!! Hopefully the fact that your typing means your wrist isn't that bad?...
Take care!


So sorry to hear about the bike  :'( :'(

Le Piou,
I feel for you.  Hopefully you have good moto insurance.  Lucky you to only have a broken wrist.  Get well soon.  Good luck with the wife discussion.

Yikes!!!!  So good to hear that you made it through somewhat ok.  Thank god for the gear.  Bikes are replaceable. 

How the make the beast with two backs did he take out your rear?!?  I hope the guy stopped and was insured.  Didja get a police report?  Give a holler if you need a recommendation for a personal injury attorney.

I wouldn't have the conversation with the wife now.  Tell her to wait a week or two to talk about it.

wow, that sux!!  Sorry man, get well soon.

Do you have the guy's info... i know a guy that knows some people...

Damn that sucks man get well soon, good gear saves lives [thumbsup].  Treat yourself to a new helmet and reallllly good gloves.  When your wrist heals and you can type can you tell us what you did right/wrong what gear worked/didn't etc...  Hope your insurance covers this.

Yikes...gravity seems to be extra strong lately.  Glad you're OK.  That's a bad, bad place to eat it.  Your life and your wife's concerns are what's really important right now.  Be happy to have the former and be fair with her about the latter--not riding isn't the end of the world and it can wait if it has to.  :)   Heal up quickly.   [moto]

Thank God you are okay.

Like other's have said if you need anything Just let us know.

The guy stopped. He didn't run away. he was actually the first one to ask me how I was doing. Not a bad guy. He admitted his fault, even to the cHP cop.
Thing is, my inurrance will reimburse only up to 1000$ for the gear... Man, it'll cost me more than $3000 to replace everything... A now, i will definetly get only top qualty protections (as I had).
And they won't reimburse my bike "as new" so I am screwed!

What the thing with they attorney? what am i suppose to do? is the insurrance not supposed to take care of everything?
Any advices is welcome as I just don't know how things work... it's my first crash... ???

Another Richmond park way and another broken wrist, sorry to hear about that, hope you will get well soon
The bike must be big damage, bike can fix or total loss for new one, important one is you walk away from it.

September 5 the day after of our nine years anniversary  , on the way pilot to work unfortunely hit the rock was kicked out from school  bus  at richmond park way by Gerrude st , high side and come down very hard only broken wrist and body sore for a week.
The wrist is 95 % improve better, hopefully on the bike soon, may be I can ride to La  Ducati.
Insurance took care very fast , now my new sport  classic 1000 is on the way ship out from Ducati Manhattan.

Your wife will understands

Take care and feel well soon.

I assume the cager had insurance?  Normally, your insurance will pay you for the property you lost--bike and gear--and then go after the cager's insurance.  Once they recover from the cager's insurance, they should refund your deductible.   If your insurance does not pay for everything, it's your responsibility to go after the cager's insurance for what's left over.

DAMAGES

Property damage (gear, bike, etc.)-->  You're right that you will not get "as new" value for the bike.  You'll get fair market value.  You can argue with the insurance adjuster about what fair market value is.  If your insurance doesn't cover everything, you can talk with the cager's insurance adjuster and submit receipts for whatever your insurance doesn't cover.  The cager's insurance *should* pay.  Be aware that if you're not a lawyer, they may very well try to screw you.  

Medical bills -->  You'll have to talk to the cager's insurance about any out-of-pocket medical bills you have (like co-pays).  Your bike insurance won't deal with this.  Your medical insurer will ask for the cager's insurance information so that your medical provider can go after the cager's insurance for the rest.

Lost wages/pain/ suffering, etc.  -->  This is your responsibiliy, not your insurance.   You can either ask the cager's insurance for a certain $ amount and negotiate directly with them or you can hire a lawyer.  A lawyer will take their costs plus 1/3.  I bet that a lawyer would tell ya that just the wrist injury--excluding medical bills, wage loss, and all property damage-- consisting of a non-displaced fracture of a right wrist (dominant hand) with 4 weeks of cast and no residuals is probably worth $5-10K.  $10k may be too high. 

What to do depends on how badly you are hurt, what your financial situation is like and whether you're going miss work or not.   If you have good medical, won't miss work and don't like the idea of suing, just have your insurance pay and then try to get some $ from his insurance on your own.  If you're out-of-pocket on a lot of this stuff and are going to lose a buncha $ if you don't do something, talk to a lawyer.  A lot of what to do depends on what the cager's insurance liability limits are.  You may be able to find out that information from your insurance, if you don't already have the info.  What kind of car was he driving?  I would start by calling your bike insurance, tell them about the accident, and ask them what they will cover and where to go from here.   BTW, please don't take any of this as legal advice.  It's not.  I'm just telling ya the way the insurance stuff works and telling ya to call your insurer. 

WOW  :o

I'm really happy to hear that you are OK.

It's great that we have this group. Any question can be answered.

Get well soon my friend.

Sorry to hear about the crash, but glad to hear that you're alright.

As others have said, the bike can be replaced.  If there are scratches on the tank, frame, etc, it will all end up being replaced ... so they may still total the bike out.  It doesn't take much.

That sucks, get well soon.  Glad it wasn't worse.

Must be something in the air.... I had a close call this morning myself.  On route 24, in lane 3 with no traffic directly next to me on either side, a Mercedes wagon merged into lane 4 from an on-ramp and then promptly merged right into me in lane 3.

Luckily I saw him in time, and moved over.... it was close though, as there was a SUV that pulled up directly to the left of me as I slowed down and moved left, so I basically had to thread the needle at 65 mph for a moment in order to not make contact with either the SUV or the Mercedes.

I pulled it and didn't make contact, then pulled up to the Mercedes wagon driver, got his attention with the horn and gave him the international symbol for "what the hell are you doing?", and he made the international symbol for "what can I say, I'm sorry".

How hard is it to turn your head for a split second before changing lanes?  So stupid....

Oh Crap! That sucks!!!!

Le Piou,

"Fair market value" - That means TOW YOUR BIKE TO DESMOTO SPORT and let them "analyze" it's value.  [thumbsup] You get to choose who looks at it, NOT any insurance company. It's against the law for them to tell you what mechanic will evaluate it. Though they will look it up in the blue book and want to go see it most likely. You can say yours was a bit special, and Desmoto will help you explain why. Make sure they know it was a FOGGY S4RS (for example)  ;)

You may have to argue a little to get the numbers up to what you think is fair. Be very polite and very firm. Don't ever get angry with the insurance people. At least don't let them know you're angry. Stick to your guns man. They'll want you to get angry, tired of arguing, and then settle for what they're first offering. Just be polite and firm every time. Its going to be a while so be patient. Also - you want to see if you have any permanent physical damage. That driver is responsible for that if you do. DON'T settle right away on that. Careful what you sign.

I had a bad crash last year. I took many months to convince the girl friend I was going to ride again. You might want to give it a little time to let her nerves settle.

Jimminy christmas, you're so lucky you're just worrying about gear.

Very sorry to hear about the bike but at least you're okay.  Mend quickly. 

How hard is it to turn your head for a split second before changing lanes?

This and using turn signals is among the most difficult of driving skills to master.  It's a rare and wondrous thing...much like seeing Bigfoot, a UFO and a unicorn...all at the same time...typing War & Peace...in German...underwater. 

Sorry to hear your news, but very glad it wasn't worse. Bikes and gear are replaceable.

Thats bad news, I hate to hear when someone goes down.
I've been down multiple times, its sucks. :(
All thing happens for a reason, anyway I hope all will work out with your insurance.
Heal up soon and get back on the saddle.
I'm sure your wife will understand, take care of yourself. [thumbsup]

First, glad you're well enough to post!  Gear is cheap compaired to skin grafts, etc.  Money well sepent. 
Get through the depression of the crash, then get angry.  Yeah, nice guy bounced you off you bike, injured/cost you $$, not to mention the stress with the S.O. (been there). 
Glad you're good, the rest will fall into place.

Glad you're (reasonably) okay, glad the guys stopped, more glad he admitted fault.

Honestly, beyond the few weeks of pain, this should turn out okay.

And a Big  [thumbsup] [thumbsup] [thumbsup] to having Desmotosport look at it.

I highly recommend the Nolo Press book on suing for personal injury. I used it after my accident when I got hit by an SUV. (I wasn't riding, just minding my own business on the sidewalk.) Step by step instructions, good advice, when to call a lawyer, etc etc.

So sorry to hear about your get-off man.  As mentioned above, so glad you're going to be ok, the guy stopped, admitted guilt, etc...

I only post to add that wrist injuries are a total beyotch.  Be sure to get a wrist/joint *specialist* to look at what you've got going on.  I broke my L wrist in '93 in a get-off.  I can still forecast the weather with the damn thing and it make the beast with two backss with my riding too...

All the best mate!  So glad you're still around...

Im glad you didn't get hurt any worse than that.

This guy died this morning.

http://www.insidebayarea.com/oaklandtribune/localnews/ci_10598930?source=rss

Geez, we're a salty bunch aren't we. We'll all have to get together one day and compare battle wounds  [laugh]

Le Piou, I hope you PM folks who've had experience with this sort of thing if you need help. Good luck. In the mean time,  [wine]

Sorry to hear about your crash. I just now am getting over my broken ankle. At least your wrist isn't weight bearing. Best of luck with your recovery!

That was my good friend "Norton" Aaron. I got "the call" on my way to work yesterday.  :'( :'([bang] [bang] [bang] [bang] [bang]

Le Piou, glad you're ok. [thumbsup] Bones will heal, and machines can be fixed. People can't be replaced.

I think I'm hanging up the hat for a long while this time. Don't want to reach in for a rabbit, and come up empty handed.

Just an update on my story, and also to thanks everybody here for your support.
So:
- I am NOT at fault. The CHP report finds the other driver at fault for unsafe speed and unsafe lane change. So my insurance finds me not at fault for this loss.
- My wrist is not broken. I "just" have a very bad, bad sprain, so I'll keep my cast for a little while.
- My bottom/ right hip is still painfull, but I can now sit.
- My burns/abrasions on the legs are healing well.

Thank you again for your support and advices.

Le Piou

Great to hear your your on the road to good health.  [thumbsup]