Ducati Monster Forum

Well, spoke to insurance today.
weird way of doing things here in germany but here's the deal.
if totalled, they pay me the value of the bike minus my deductable minus the highest bid from salvage shops. this is my payment no matter what i do.
i keep the bike and i can sell to that salvage shop at his bid or to anyone else at any price... or keep it and keep my payment to rebuild.

technically, i'm not even sure if i keep it, that it's even considered a salvage in germany (i would never sell it, but if i did i would certainly disclose that)

i found a place in italy that has chassis jigs and, i think, can fix the main frame.
also it allows me to upgrade almost every front end component. albeit i'll end up with an enkei wheel  [bang] if i stay stock.

what do you guys think?
 

Does that leave you money enough to do a rebuild?  That is an odd way of doing things. 

Well, if you keep it, your wife can't hold up getting a new one. I'd decide based on cost-how much they cut you a check for vs. how much it costs to have the frame sorted and buy some nice high-end front end components.

Also if you have a place to do the work, the know how, the tools, and would be confident on the same bike again after a rebuild.

No one wants to be maxed out on the autobahn wondering if the weld on the headstock is good.

well if the salvage says it worth 100 bucks.. heck yeah i keep it. but 4000 euro.. then gotta sell it to salvage.

I would.....get something else, variety is the spice of life.   I like to get a different sled every year, and I rarely keep one over two.  I kind of alternate between dirt and street bikes, I usually have one of each. 

its amazing how insurance works no matter what you get screwed, pay for your coverage for ten years w/out incident and you could buy 2 of what you have and after all the money they make on you over the years when it comes to it they molest u like a horse

good luck i would get something different i took my loss as an excuse to ride something new

ok seems the insurance is saying it might be rebuildable.

so... comparing stock parts to aftermarket... can i go aftermarket and still come in at or under stock prices?

I need
front rim
forks
triples
rotors
possibly calipers
bars
grips
mirrors
rearset (left)
kickstand
exhaust( left)
and have scratches on bodywork
frame will have to be repaired too

Reminds me of the opening of the Six Million Dollar Man.

When factoring in labor costs, would it still be worth rebuilding?

Frame repair and they are claiming fixable?!?   :o

Not sure what I think about that, not that I wouldn't ever ride a repaired bike/frame, just that at that point, the cost has to be over the replacement value of the bike.

In the states they total bikes for a damaged can and tank, or when your steering stop gets broken off, much less all that work...

well the shop told the insurance lady that.. i'm going to the shop tomorrow to talk more...

Given the absolutely ridiculous price of stock parts, aftermarket will almost certainly be cheaper.  A few years ago when I was pricing forks, new Ohlins R&T forks were cheaper than OEM Monster junk forks.

Have you made a decision yet?

the insurance adjuster just went friday to see it. waiting for word from the insurance company.

It is a long process, isn't it?

yeah. told my insurance i want this settled so i can ride. finally had some nice riding weather  [bang]

I would get rid of it and buy a S2R  [wine]
Nah...just kidding....you are into the new ones...thats fine
So if they pay you the money minus the salvage, why do you care about the salvage ?
Let them slaughter it and get something you can ride and be save.
I would never get a totalled bike or even try to ride it again.
Not without a 5 year experience in motomechanics at least.
I am pretty sure your local DucDealer can help you with that and find a nice 1100 for you.

Have you tried an 1100 Raux?

i think you all are right.

i saved my comfort tour seat and have the DP aluminum front fender coming. both fit on the 1100. everything else doesn't.

i will try to go next week. i need to find out if the local german shop can order a stateside spec one though.

 [bang] [bang] [bang]
Well the frickin appraiser hates Italian bikes  [bang]
valued my bike 1300 euro lower than the lowest priced used 696 available on the internet anywhere in germany!
Bet if it was a BMW it would have been higher.
Basically i end up owing the bank too much, and to even be able to sell it to salvage i have to pay the balance...
ANYWAY.
looks like if I can't convince the insurance company to fix this guy's appraisal value, i'll be keeping the bike and either rebuilding or parting out. I'll have to keep paying on the loan, but once i rebuild it and finish paying it off the balance after the insurance settlement to the bank... i'll have a free and clear bike... but no bulk cash upfront to rebuild... so it will be a long process.
anyone got front end parts for the cause :-\

Can you dispute the valuation and take it to arbitration? 

tomorrow i get to see his 'evidence' for the joke of a appraisal.

Were you able to get anywhere with the appraisal?

they took friday off... omg i am so upset wiht this insurance company.

the bike is home.

starting taking her apart. have it hanging by a wooden beam in the garage.

even once the insurance company figure this out, i'm gonna keep her and rebuild.

i am starting a parts wanted thread

http://ducatimonsterforum.org/index.php?topic=28523.msg496016#msg496016 (http://ducatimonsterforum.org/index.php?topic=28523.msg496016#msg496016)