Ducati Monster Forum

So some Dirt bag backed into my bike, picked it back up  and took off!!

The bike was in perfect, mint condition, and now... nope

Clutch is completely bent, bar end busted, and the worst part....

My TANK!! - Huge dent and scratched.

Just called geico and somehow I have the 500 for comprehensive and 1000 for collision. So apparently I have to fix it for 1000 and they'll pay the rest..(i pay 180 a month with them. Really Giego!?!?!)

Wth, which will (if my damages even cost that much) would probably only be about 200 bucks.

I know to get dents fixed it can be expensive. but is it even worth it to go through insurance??

So sad  :( :(

Oh so sorry to hear about your bike.  I highly recommend never going with minimum coverages.  Although with that kinda of monthly payment  :o  You may not have had a choice.  I am thinking it may be less expensive to not make a claim and just take the hit and fix it yourself.  I actually had a great dent repair guy out to fix a crease on my uncles Aermacchi tank and it takes a silly close inspection (magnifying glass) to see that it had been repaired.  Some of the paintless dent guys are amazing.  Also if you vist DP paint thread you may find that some patience and proper technique may make the repaint fairly inexpensive.

Not to kick you when down but I pay 750.00 per year for massive coverage on my 2013 M1100 with a $500.00 deductible.  Then again I am 48 and got my motorcycle license at 16.

Good luck with the fixes!  Post pics :)

that's a crazy high monthly payment.  it was only $120/month for my streetfighter s. 

you should always go through your insurance imo.  even if it ends up being less than your deductible make them work for your money. 

If I'm correct the old gen steel monster tanks are $1,800 brand new.
Pay the $1k deductible.
Make insurance pay for the remaining repairs.

Expect it back in mint shape. Insurance coverage is expected to make you whole. Do not accept any less following repairs.

Best of luck.

BTW, check your rates with Foremost.
Rates are highly variable with age, credit, zip code, etc., etc.
But your rate of $180/month sounds very high.
At that rate you may as well get liability coverage only and pocket the $2,160/year you are paying now.
In 2 years your well over $4k.
Enough to just buy another bike!

Yea im definetly going to cancel, change or downgrade..

That fact that im paying so much and still have to pay 1000 is frustrating..

They said it was that high because of me being a first time motorcycle owner... Im 32 and have a fairly clean driving record. (note: my car insurance is 75 bucks a month)

So yea, i just dont get it.

Thankfully, the bike seems to ride ok and i imagine besides the tank the fixes should be pretty simple. My brake light doesnt work either anymore :(

The police said they couldnt file a report because no one witnessed it. Of course im covered, but 1000 down the drain. 500 deductible for comprehensive(acts of nature etc) and 1000 for collision? that doesnt make sense to me but oh well.

Orange sized dent in the tank.. about how much would i be looking at to fix?

In that case, yea the deductible is the way to go for sure. 1,800 - wow!

Im looking into that asap. Sucks that its sunday and not much i can do but stare it and sulk.

Im in Los Angeles, first time rider, fairly clean record but a fender bender 2 years ago

^^ these were geico's reasons for it being so high^^

Sorry to hear about your bike, people are the worst.  That does seem like a very high cost of insurance.  I'm 30 and have full comprehensive/collision at a $250 deductable each through Geico on my 696.  Runs me $365 a year total.  I have my truck and renters insurance through them which helps some but still...

I'll kick you back for him. 1M/1M/500K coverage, $460/yr., S4RT, 42


To the OP, you don't have to spend any money, you just get $1,000 less then the bill. So if your estimates say it will cost $5,000 to fix, they send you $4,000. Then we can guide you in the right direction to have it fixed for $4,000 or less. Don't sweat it. So, take it to your dealer and get an estimate (you may have to pay them a bit to do that if you don't plan on fixing it there). You don't want only Geico to estimate it for you because they aren't a Ducati dealer and it won't be as accurate.

i was pretty impressed with progressive's rates

WTH!!  why is everyones coverage so low??

I also had progressive at first and they were even higher..

I figured it was a normal price, but also i got everything on my plan. (or at least i thought I did)

My driving record isnt abnormal.. a ticket 1 a few years ago, fender bender once.

Only thing being that im a first time owner. Im definitely calling them.

You have a ticket and an accident on your record and are a new rider. Your rates are gonna suck. Now you are making a claim. That ain't gonna help. Shop around.

I haven't had an accident (one and only) since 2000, a ticket since 2002, have ridden street bikes since 1989, have been with the same insurance company since 1998, and insure a house, and two other cars through them. Those factors will drop your rates.

I just paid $538 to cover both the Monster 1100 EVO and the HD Nightster, for six months, with Progressive. $500 deductible and $500K coverage. I have my car insurance with them too.
Though, I am afraid that after the speeding ticket I got a month ago (first in my history in USA - though 68mph in a 35mph  ;D ), rates might be going up.

That actually is abnormal. Most people have no tickets or accidents on their record.

You live in CA? Go to traffic school. It will never go on your record.

I can't. No traffic school if over 25mph speed limit.

Doh!

Well darn.. 1 ticket (double yellow infraction) , and a(minor) fender bender within 5 years..

I thought I was doing Ok. But i totally understand now.

Both only stay on your record for three years.

kendallb, sorry man, I know how you feel. I just got my moto back together from the same type of incident. I went into a FedEx to send off a package, in and out in 10 minutes only to find someone backed into it, tipped it over, picked it up, and took off. I didn't think I had that much damage but the estimate came back at $4200 since they messed up the steering head and jammed the ignition, (which required a new key set all around).

I have Progressive and a $500 deductible so of course I had to make the claim.

Yes people suck, but karma will catch up to them.

Hope everything works out for you.

Naaaa : JO's are born that way, live that way and die that way.  The best you can do is have good luck not to run into them which I guess you could call your good Karmaism, but I call it luck.

kendallb : Sorry to hear about your bike, I would be going nutts.  It is called bad timing, kinda like an intersection, look at it as you got that one out of the way, paid your dues and it won't happen again.

If you have medical on your insurance DROP it, it often doubles the price of insurance.   I'm guessing you have medical through work so no need for that with geico.  It's the biggest rip off in history knowing most are already covered.

Thanks, yea its a miracle that blowhards like that actually exist. Living my life then all of the sudden, mucho $ for nothing!

Monday all the shops open so i'll be taking it in for an estimate...

Truthfully i hope that theres nothing major wrong with it and i can just get some replacement parts and fix the dent on the low.

After looking at it in the light it doesnt look too bad, but i'll know for sure once the shop sees it. Fingers crossed.

At least i wasnt on it.. silver lining? but yea im hoping that person has a truly terrible week!

Dropping the medical!! thanks

The medical portion pays for medical care for you but more importantly passengers. They may not have medical coverage and if you cause the collision they can go after you for the cost. If you only insure a moto and never carry a passenger then you may be ok dropping it but mine is tied to all of my vehicles. The total cost for the medical portion of my coverage is less then 8% of my total so not that big a deal.

Careful with this. ^^^
This like any financial decision is very personal.

Thing is if its accident related, your medical insurance won't pay. They'll kick back the bill to you and make you go through auto/moto insurance. Regardless if your at fault or not.
Read your coverages on medical carefully.

Do you have uninsured coverage?
If yes, you might want to claim it under that portion of the policy, to either lower or eliminate your deductible.
Usually, though, if you have collision coverage, that eliminates the uninsured coverage.

Heck, you would have been better off reporting that a deer rammed into your bike, knocked it over, and caused the damage.
That way your deductible would have only been $500.

BC.

And he'd be guilty of a felony. Better off just being honest.

Not so, if  you were not negligent and acting an idiot (stunting) they cannot deny coverage.  They may have clauses that say you should have a motorcycle endorsement, DOT helmet and the like but state regulations prohibit denial of coverage unless it's explicitly written in the policy (highly unlikely for group health).  Ask Aetna how that worked out for them - they've tried it in 5 states and lost every time.
Under HIPAA “evidence of insurability” (generally used when there are no medical questions to join the plan) may be requested and generally includes conditions arising from acts of domestic violence, as well as participation in activities such as motorcycling, snowmobiling, all-terrain vehicle riding, horseback riding, skiing, and other similar activities.  He would know because he would have to fill out a form in order to get his healthcare approved.  If no request was made then he's covered.

Well, I'm the guy that sees you in the ER. I know from first hand experience that it indeed does happen. In my practice the billers coin it "pay and chase."
As I said, proceed with caution. I don't claim to know it all, and I'm sure exceptions do happen, but I certainly avoid throwing blanket statements.

and I've had the miss pleasure of visiting the ER on  - too many - occasions for bike related shit.  [bang]  Sadly many insurers will do whatever they can to  not pay or delay until you give up.  Ultimately it's his responsibility to check but HIPAA does NOT allow discrimination in group medical coverage and it's enforced by the Department of Labor.  Evidence of insurability is a huge issue today, hell I'm still fighting a $19,000 bill that United Healthcare wont pay even though I was covered and paid my premiums under COBRA.   It's sad that this game is played with payers and providers. 

back to the thread now.............. :-X

Took it to a dent shop..

350 to repair the dent to 90%.. not sure how good thats supposed to look.

Anyone ever have a dent repaired? Looks like i'll be going without insurance on this one.

 If they can get it to 90% a bit of bondo will take it the rest of the way!

I have had some really bad dents fixed so well that you can't see them.  It all comes down to the skill set of the guy doing the repairs.  I would go look at some of their work before handing over cash.  Anything with a crease will never be 100% on shiny paint.  Bondo and plasti-dip the rest  [thumbsup]

YouTube "paintless dent removal". There's a guy who has a van and does the work wherever the customer is. Wild shit watching the dents vanish like a cephalopod.