Bike knocked over at the gas station :(

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Aw tigster....that blows. :( Sorry to hear about it. WTF was the guy even backing up for??? He looks like he's already back too far from the pump he's at... Minivans. Scourge of the roads man. Hope it all works out with insurance.
 
why the hell did the driver of the van back up?? he's no where near the front pump unless he did not see you at all. sorry to hear that incident.

I would recommend making a claim through the insurance
 
icecube172 said:
why the hell did the driver of the van back up?? he's no where near the front pump unless he did not see you at all. sorry to hear that incident.

I would recommend making a claim through the insurance
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Fail on reading the thread lol
 
tigster said:
Update:
Suzuki estimated $7500 in repairs :confused1:

Frame $3500 + labor
Rad is bent $1000
Plastics $1500


Waiting for StateFarm to contact me with the settlement, I hope I get enough for a replacement
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I'd believe it...mine's up at an estimated $2,800....
I think the worst thing is being without a bike in mid-season!
 
Insurance will write it off. I had a bike which had a small dent in the frame, and it was wrote off. Turned out to be a perfect track bike .. lol
 
If the bike is written off, find out how much your buy back is for it ? If it is not too much you just got yourself a track bike !

If you decide not to buy it back from the insurance, find out what the price is and let me know. I'd possibly be intersted in taking it as a track bike.
 
jeffjones said:
Ouch, what year is your bike?
You can call Suzuki and ask them to look in their book and tell you what a mint condition "your bike" is blue book valued for.
That will give you a rough estimate of what your looing at getting if they write it off and they will pay you tax on top of that too.
Or if you take the cash payout they will have an adjuster look at your bike (If Suzuki is not on their "preferred list") and the salvage yard will give them a quote on what they would pay for it and you get the value minus what the salvage yard will give.

So say your bikes worth $5,000 to them.
Option A: $5,000 + tax and they take your bike
Option B: $5,000 - Salvage quote and you keep your bike.

Thats what they offered me and mine was all cosmetic damage. and my salvage price was $1,175.

Good luck and remember you don't have to accept their first offer ;) Its just an offer.
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The bike is an 09 750

An adjuster has already looked at the bike. They did notify me that it is a write off.
Waiting to hear from the total Loss department on the payout amount, I'm not willing to accept anything less than a replacement value for the bike.


Nyx13 said:
Aw tigster....that blows. :( Sorry to hear about it. WTF was the guy even backing up for??? He looks like he's already back too far from the pump he's at... Minivans. Scourge of the roads man. Hope it all works out with insurance.
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icecube172 said:
why the hell did the driver of the van back up?? he's no where near the front pump unless he did not see you at all. sorry to hear that incident.

I would recommend making a claim through the insurance
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there was a car in front of the van refueling. The driver of the Van wanted to back out and leave, didn't see my bike parked behind him.


lil sushi said:
I'd believe it...mine's up at an estimated $2,800....
I think the worst thing is being without a bike in mid-season!
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It's been a week and I'm already all itchy :( Hopefully by end of next week I'll be able to buy a new one.

infernobuster said:
Insurance will write it off. I had a bike which had a small dent in the frame, and it was wrote off. Turned out to be a perfect track bike .. lol
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chiller said:
If the bike is written off, find out how much your buy back is for it ? If it is not too much you just got yourself a track bike !

If you decide not to buy it back from the insurance, find out what the price is and let me know. I'd possibly be intersted in taking it as a track bike.
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Waiting for tmy options, I'll update :)
 
Tell the insurance company that you wish to buy the bike back from them (as someone else had mentioned). If you buy it back the title remains clean, it will not be branded as a salvage title so there's no reason you can't ride it on the street.

Don't bother fixing the frame, a little ding is fine. You can find a complete set of bodywork from someone racing an 08/09 GSXR600/750 for $1000-$1500, put that on your bike and you're back in business. If you play this right you can pocket a lot of $$ out of it.
 
I recommend that you do some research and find out what the retail of your bike is on something like Kijiji and print those ads out, just in case the adjuster comes out and low balls you. I did that when I wrote off my bike. When all was said and done I ended up losing $300 from my original purchase price.
 
Keep us posted on developments and good luck.
 
if they settle with a buyout value, pretty sure if you replace they cover the taxes, so thats an extra 13%. happened with my pick up.
keep the updates coming
 
Even if he was to pay thousands of dollars for the repair, we need to get these drives to wake up one driver at a time. Maybe aver going through insurance, he will think a little more before ramming a bike.
 
I may be wrong, but after looking at the pictures, the bike only has cosmetic damage. There is absolutely no reason to replace the fairings. They can be fixed on the inside, and all you'd see outside are a few scratches which can be painted or left alone. I wouldn't bother with the bent rad either, as long as it's not leaking and does not have kinks to obstruct water flow. The dent in the frame really doesn't look serious at all, and as long as you have the welds checked out for cracks it will last the lifetime of the bike. Just fill it in, repaint that part of the frame, and you won't even know it was there.

If the insurance will offer you replacement cost - salvage cost (as somebody mentioned above), I'd just take the money and keep the bike as is. Sure, it's not mint anymore, but at the end of the day you'd get a street legal 09 GSXR750 for about $2k. Even in 10 years you'd be able to sell it for that much.
 
croco said:
I may be wrong, but after looking at the pictures, the bike only has cosmetic damage. There is absolutely no reason to replace the fairings. They can be fixed on the inside, and all you'd see outside are a few scratches which can be painted or left alone. I wouldn't bother with the bent rad either, as long as it's not leaking and does not have kinks to obstruct water flow. The dent in the frame really doesn't look serious at all, and as long as you have the welds checked out for cracks it will last the lifetime of the bike. Just fill it in, repaint that part of the frame, and you won't even know it was there.

If the insurance will offer you replacement cost - salvage cost (as somebody mentioned above), I'd just take the money and keep the bike as is. Sure, it's not mint anymore, but at the end of the day you'd get a street legal 09 GSXR750 for about $2k. Even in 10 years you'd be able to sell it for that much.
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The only problem with not fixing it is say itss worth $8000 and their salvage is $2000 they will cut you a check for $6000.
But if you do not fix the bike and someone hits you and writes it off mechanically, if you do not have proof of repairs for the $6000 they paid you they will minus it off the value of your bike.
So say its written off next time and the value is $7000 and they paid out $6000 with no proof of repairs, they will pay out under $1000 or write it off and give you $1000.
 
jeffjones said:
The only problem with not fixing it is say itss worth $8000 and their salvage is $2000 they will cut you a check for $6000.
But if you do not fix the bike and someone hits you and writes it off mechanically, if you do not have proof of repairs for the $6000 they paid you they will minus it off the value of your bike.
So say its written off next time and the value is $7000 and they paid out $6000 with no proof of repairs, they will pay out under $1000 or write it off and give you $1000.
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True, but your scenario will only really affect him within the next year or so, until the bike will depreciate another $2000. But in the meantime he's riding a almost free bike, and barring an accident, he'll keep riding a free bike. I'd trade those scratches on his bike for a $6000 check any day.

Even if an accident happens later on, and he only gets another $1000 on top (to use your numbers), there is a good chance to part it out if the damage is not extreme. I'd be willing to pay a fair amount of money for a known good 750 engine to swap into my 600, then there are a lot of other items that sell like hotcakes for people fixing their own accidents or doing conversions.

Most bike accidents are getting insane estimates btw. In this case I understand replacing the frame due to insurance rules and on insurance money. But in the real world NOBODY would replace that frame, NOBODY would replace those fairings. Get a decent body shop (not some of the amateurs claiming to repaint stuff in their garage) to fix and repaint them at $200ish a piece, and they will look like new if it really bothers you.
 
croco said:
True, but your scenario will only really affect him within the next year or so, until the bike will depreciate another $2000. But in the meantime he's riding a almost free bike, and barring an accident, he'll keep riding a free bike. I'd trade those scratches on his bike for a $6000 check any day.

Even if an accident happens later on, and he only gets another $1000 on top (to use your numbers), there is a good chance to part it out if the damage is not extreme. I'd be willing to pay a fair amount of money for a known good 750 engine to swap into my 600, then there are a lot of other items that sell like hotcakes for people fixing their own accidents or doing conversions.

Most bike accidents are getting insane estimates btw. In this case I understand replacing the frame due to insurance rules and on insurance money. But in the real world NOBODY would replace that frame, NOBODY would replace those fairings. Get a decent body shop (not some of the amateurs claiming to repaint stuff in their garage) to fix and repaint them at $200ish a piece, and they will look like new if it really bothers you.
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I had the same thing happen to my bike as his minus the frame damage and my estimate was $4,300 and they cut me a check for $3,700 and the repairs are going to cost me $1,800 w/all new fairings and I am pocketing almost $2,000 plus have a mint condition bike worth full value with the insurance company.
 
jeffjones said:
I had the same thing happen to my bike as his minus the frame damage and my estimate was $4,300 and they cut me a check for $3,700 and the repairs are going to cost me $1,800 w/all new fairings and I am pocketing almost $2,000 plus have a mint condition bike worth full value with the insurance company.
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Yep, but in this case the frame damage makes all the difference in the eyes of the insurance company. He can only get a new frame from the dealership because I truly doubt his insurance company will accept a random frame he sourced from Ebay. He may as well have the frame replaced at the dealership. In effect the OP is getting another bike altogether because the VIN is different, it will have to be registered with the MTO, the insurance policy will have to be rewritten, etc.

If you notice from his estimates, the frame is by far the most expensive item, the rest is just filler. So he'll pocket $1-1.5k at the most, be out a bike for the whole summer (how long do you think it takes for a frame to come from Japan via boat?), and all for a couple of scratches.

That's why I'm saying pocket the whole amount and take a small gamble that another accident won't happen.
 
damn that bike fell onto the curb...a lot of force on a smaller area now...that sucks...i would settle for new bike, you get cheque in a week and off you go shopping...getting bike fixed means you could be out of commission for a while...
 
Update

I received a phone call from the total loss department at State Farm, they offered me $8907 (that includes HST) as a fair market replacement value, which is $100 less than what I paid for the bike in March, 2011) so I thought it is fair and accepted their offer. They have also provided me with a 2012 Nissan Altima loaner for 2 weeks free of charge. Fair is fair.

The bike was estimated $7,500 to fix, and was written off as IRREPARABLE.

I did ask whether I have the option to "buy" it back to use on the track, the answer was negative. (Because the bike had a lien on it with State Farm, this option was not available, as they don't want to take responsibility)


The only downturn to all this was me not having a bike for 2 weeks, the hassle and time to find a replacement, and the feeling of loss due to the sentimental attachment we all have to our bikes.


All in all, very pleased that; a) nobody was hurt, b) State Farm made this a very pleasant claim.


Ride safe everyone and thank you for all your help.

Time to find a new ride :)


-Tig
 
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