Hit and Run

[Greg]

You might get lucky and have it totalled and be able to buy it back cheap and fix it up yourself.

[Mhanis]

Jeez, I cannot believe some of you guys, the poor guys bike got trashed by an a-hole and you come up with "Gee, is your tire bald" and "I wouldn't park on the street". No shit!!! NO ONE I know of who has reasonable access to a garage chooses to park on the freaking street!!

I am just saying out loud what the OP is probably thinking!! Does ANY of that matter NOW?

 



Mark

[kuzemko]

Jeez, I cannot believe some of you guys, the poor guys bike got trashed by an a-hole and you come up with "Gee, is your tire bald" and "I wouldn't park on the street". No shit!!! NO ONE I know of who has reasonable access to a garage chooses to park on the freaking street!!

I am just saying out loud what the OP is probably thinking!! Does ANY of that matter NOW?

 



Mark

Thanks Mark, not a big deal. Part of what I like about this forum is the extra sets of eyes on things I didn't notice before. The tire thing isn't a big deal. the garage thing is a no-brainer, and like you said, it WOULD be parked in a garage if I had one, but alas, I don't. The cover is the best it gets until snow picks up, and then I store it under a friends house. i'm not nearly that upset about it, but like you said, none of that matters anymore. now it's paying money for someone else's screwup that i wasn't planning on having to pay... oh well, that's life. sometimes it makes the beast with two backs you.

[kuzemko]

Parts alone, I'm looking at about $4,00 for what I noticed. That's all OEM parts, so of course they're pretty pricey. That counts a new rim, but rim ONLY and not the tire or anything else that may be wrong with it (bearings, brake discs, etc...). I don't know at what % of what it's worth they draw the line and consider it totalled. But KBB says the retail price should be about $6,500 and the trade-in is like, $4,400 or something. I don't know which of those figures they use either, but I'm assuming the lesser of the two, because insurance companies are scam artists. 

[zooom]

they will use retail....the amount ( depending on the state) has to be 70-80% of the value of the machine of parts and labor for it to be considered as a total loss.

[Ducatamount]

I don't get it... did someone hit it on purpose?
It looks like you could drive a semi-  past it with room to spare. (maybe the pic's perspective?)

[kuzemko]

I don't get it... did someone hit it on purpose?
It looks like you could drive a semi-  past it with room to spare. (maybe the pic's perspective?)

You could drive a semi past it with room to spare. Normally the cars around it are wider than my bike. No reason to hit it other than cutting it too sharp (would have hit the curb if my bike wasn't there to cushion the blow) or it was deliberate. Or the driver was drunk. I don't really know, and I suppose it doesn't really matter. Whatever happens with getting it fixed or getting a new one, I'll swap my parking pass with my truck, park the truck on the street and the bike will go in the parking lot somewhere. With cones around it and a damned video camera. Hah.

[justinrhenry]

well, you did have the camo asphalt colored cover on it.  they probably didn't see it. 

[kuzemko]

well, you did have the camo asphalt colored cover on it.  they probably didn't see it. 

Fact. I'll look for the High-Vis orange for my next one. Cars will swerve away from it due to it's blinding brightness. Every time I laugh a little about it, I remember that Saturday morning I have to truck her up, and take her to the dealership to find out her fate is... Ugh.

[Skybarney]

Can you leave a couple of garbage cans in front of it next time?  Perhaps full of concrete.....  Hopefully it goes well with the insurance company, I had them take the deductible out of my final check so with any luck this won't be too hard on your wallet.  Good luck!   

[Barney]

Thats the worst man...people really suck.

on the other hand, if your bike does end up being totaled, skip the 796 and spring for the 1100

[kuzemko]

Thats the worst man...people really suck.

on the other hand, if your bike does end up being totaled, skip the 796 and spring for the 1100

Don't think I haven't already done the math  It just makes me sad that they cover the beautiful SSS with the giant stacked cans. Obviously an easy change, I just don't get it. But seriously... that 1100 Evo is just begging for me.

[sgollapalle]

Sorry to hear of the damage!
If they don't total it, most insurance companies usually cut a check (less deductible) and mail it out... So you can wait to save up the difference in case they take the deductible, or use the money and fix some small stuff yourself, and use the shop for the rest. From what I've heard and dealt with over car ins, this should fall under vandalism/ no fault, and your deductible won't apply. Not sure if that varies by state.

Definitely a good idea to swap tags with the car, or find a garage close by, or talk to a neighbor to use theirs... I've used a parking garage abt a half mile away when I didn't have a one. It was a PITA every time I wanted to ride, and I rode less that summer, but end of the day I could sleep well knowing it was safe... Hell, I even had to write a threatening letter to one of the neighbors, that I would treat his actions as a threat to my life and property and act accordingly! The douche bag thought it was OK to just "move" the bike, so his wife could drive on the side walk into their parking space coz she couldn't parallel park 

[Steve.In.Atlanta]

As shitty as it was coming out to find my bike stolen, your situation seems worse. Sorry it happened. My insurance paid me the retail average of my bike as well as worked in about $1000 worth of parts that I'd put on over the winter.

That said, I empathize with not having anywhere to park but the street, I live in downtown Atlanta without a garage or off street parking. I used to keep my scooter (before the Duc, don't ask) locked to the sign in front of my house with it on the sidewalk. That way at least they had to take down the sign too. For my new bike, I submitted a list of all the new stuff I'd added to the bike and now if something happens, I have about $3500 worth of accessories insured with the bike.

Lastly, if they total the bike, they'll take your deductible out of the final amount. If it's getting fixed at the shop, you can arrange to pay them the deductible by perhaps putting it on a card.

Best of luck with it and let us know what happens.

[bdub]

I totaled my 2000 dark 900. Bent frame. My local dealer bought it back rebuilt it for me and the insurance company gave me enough to buy it back from him.
It's even better now!!!!!