Harley Davidson Forums
Harley Davidson Forums - Harley Davidson Classifieds - HDForums.com Photo Galleries - Create an Account - Harley Davidson News

Go Back   Harley Davidson Forums > General Harley Davidson Forums > Motorcycle Insurance Discussion

Motorcycle Insurance Discussion This is the place to discuss what type of Motorcycle Insurance you carry or any problems or good experiences you've had with certain companies.


Welcome to HDForums.com!
Welcome to HDForums.com.

You are currently viewing our forum as a guest, which gives you limited access to view most discussions and access our other features. By joining our community, at no cost, you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is free, fast and simple, join HDForums.com community today!


Reply
Thread Tools Search this Thread
  #11  
Old 09-20-2009, 12:55 PM
Bad Disposition Bad Disposition is online now
Prospect
 
Join Date: Jan 2009
Location: In your head
Posts: 133
Default What makes a bike total

Thank you sir.

Sounds like that makes sense. on to the rest of the issues. Law suits are in the works. When it's all said and done I hope the parties at fault feel as though they got
This ad is not displayed to registered and logged-in members.
Register your free account today and become a member on HD Forums!
__________________
It is what it is
Reply With Quote
  #12  
Old 10-19-2009, 05:04 AM
RKKY RKKY is online now
Road Master
 
Join Date: Nov 2006
Location: Oregon City, OR
Posts: 1,157
Default

Quote:
When I was wrenching for an indy, the only thing that made a bike a definate total was a bent frame. If
Actually if the bike has enough value to it that won't even total out a bike. I work at the collision/PDI centerfor a local dealership. We have done 4 frame replacements in the last few weeks (2 Vrods, a Street Glide and a Trike) and are waiting on the parts to do another (Road King).


Quote:
Bike gets totaled, you get check from insurance, you buy totaled bike from insurance company you rebuild bike. bad idea
This can actually work out fairly well. It all depends on what kind of damage the bike has. The FXD in my signature was totaled (kind of)by an insurance company. Bascially they totaled it because the fork stop on the lower tree hit scuffed the steering head. Replacing the frame would have exceeded the value of the bike. It was just cosmetic damage that if I bother to fix, I'll probably use a sharpie. Bought it from the insurance company and changed out the whole front end except for the fork lowers, put on a new gas tank and h-bars/cables/etc, got it painted and gave it a 20k service. I have put about 350 miles on it in the last couple weeks since I finished it and it runs and rides perfectly. I got lucky though, when I got the title in the mail...it was completely clean. Guess the insurance company forgot to file the paperwork with the DMV. Would have been happy if it had come with the slavage title I was expecting, thrilled that it didn't.
__________________

To a hammer everything looks like a nail.
2009 FLHX
2000 FXD
2009 1125CR

Last edited by RKKY; 10-19-2009 at 05:06 AM.
Reply With Quote
  #13  
Old 10-20-2009, 11:38 AM
Bad Disposition Bad Disposition is online now
Prospect
 
Join Date: Jan 2009
Location: In your head
Posts: 133
Default What makes a bikew a total

My 08 UC's frame was bent and surferred minor cosmetic damages. The total came to $11,500. Guess I was lucky, the bike was not totaled. A new frame is being installed and I shall not receive a salvaged bike title when its all said and done. The sad part of it all..the bike will not be out of the hospital until December,

I'll not be able to ride until at least January. Oh well, I guess I can use the winter to improve in all aspects.
__________________
It is what it is
Reply With Quote
  #14  
Old 10-21-2009, 01:07 PM
davessworks davessworks is online now
Senior Rider
2001 Harley Fatboy
My Garage
 
Join Date: Jul 2007
Location: Woodinville, WA
Posts: 319
Default

Quote:
Originally Posted by Bad Disposition View Post
I went down hard on 8/23/09. My 08 UC's frame is bent, and there is additional cosmetic damage. So far to include the bent frame damages are at $12,000. They are not going to total it and shall replace the bent frame. Does anyone know if I will get a salvaged bike title when after the bike is all paid for?
BD
Do you end up with a different VIN number if you change frames or is this one of those deals where the shop cuts your old VIN number from your existing frame, sends it into H-D and Harley reissues the VIN on the replacement frame?
__________________
2010 Ultra Limited
2001 Fatboy (FLSTFI)
1992 Fatboy (sold)
Reply With Quote
  #15  
Old 10-22-2009, 10:46 AM
Bad Disposition Bad Disposition is online now
Prospect
 
Join Date: Jan 2009
Location: In your head
Posts: 133
Default What makes a bike a total

This one of those deals where the shop cuts the old VIN number from my existing frame, sends it into H-D and Harley reissues the VIN on the replacement frame.
__________________
It is what it is
Reply With Quote
  #16  
Unread Today, 10:38 AM
NorCal Dog's Avatar
NorCal Dog NorCal Dog is online now
Hang Around
 
Join Date: Nov 2009
Posts: 8
Default

interesting thread, that i can totally relate to,,, ( i know,,, that was bad )

i've got an '06 FatBoy at the dealers being repaired, as a young lady wasn't paying attention at a stoplight, & she nailed me before i made it thru the intersection. ( do not past GO,, do not collect $200.,, but take an ambulance ride directly to hospital for Xrays & CAT scan )
i have Progressive Ins. ( thank god )
the damage to the bike ( in my eyes ) was minimal, need to replace floorboards, one floorboard mount, sidestand, mount, one of the uppers on the frontend, a mirror, my aftermarket pipes, & my aftermarket engineguard.
( the policy covers up to $3000. as a minimum, & the amount can be raised thru your local ins. agent. )
now the bad part,, the upper mount of the engineguard twisted the tab that it was bolted to, inturn, stretching the tab between the two front tubes of the frame & cracking the welds of the tab...
the adjuster & dealer says it needs a new frame & will take 12 shop hours ( @ $95. per ) to swap everything over to the new frame
( incidentally, the serv.mgr. has had to replace a few frames in the past for the exact same reason, he said it doesn't take much to stress that tab & pop the welds,, & here most guys put on an engineguard to protect the bike in a simple tip-over at home & ironically, that engineguard does protect your bars, tank, carb from damage, but totally tweaks your frame )
oh well, as i said, the bike is being repaired & bumping it up to 95" while it's down
Reply With Quote
Reply

Tags
bike, claim, companies, damage, davidson, frame, guideline, harley, insurance, loss, makes, percent, total, totaled, totaling


Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off
Forum Jump

Advertising
Featured Sponsors
New Sponsors
All times are GMT -5. The time now is 08:35 PM.

© Internet Brands, Inc.

Powered by vBulletin® Version 3.7.1
Copyright ©2000 - 2009, Jelsoft Enterprises Ltd.
Content Relevant URLs by vBSEO 3.2.0