Well the insurance company will pay for the damage less my deductable which they will go after the other insurance company for me to recover it. I am also getting an new helmet, boots, and gloves which were prorated but I am not complaining. Thanks again for all the well wishes.

 

glad you weren't hurt worse and sorry to hear about your bike

also good to see that they are taking care of you

 

Same **** happened to me last week. As I approached the intersection I saw him sitting there waiting for nobody at all. Half way through the intersection he pulls out to do a u-turn. I was going 40mph so it was a done deal within a second. I tucked and rolled so I didn’t see much from my perspective. Witnesses say my bike hit the car, but it slid on the right side for a good 35 ft. Douche bag fled the scene too! I take my ride to a local Big Dog shop for everything, HD is just pathetic for anything other than buying a brand new bike. I use Allstate and so far the estimate is up to 3,600. I was told you can also to augments to your claim afterword’s, meaning even after you pick it up and you discover something that was un-seen you can still claim it. Oh yea, and no idea about totaling vs repairing, I’m in the same boat.
The whole thing just sucks *** man! Good luck to you!

 

Sorry to hear this....Glad that you are OK....I lost my 08 SB late June of this year....Similiar accident, Lady was making a left with her SUV hit me and my wife....We both got thrown off in opposite directions but luckily only a few bumps and bruises....I had the bike towed to HD and I called Progressive my insurance carrier.....Front end had bent down tubes, broken lower leg, the fender mount on the leg was actually broken off and still attached to the fender. the fender looked OK though....Went to HD the next day to take a really good look at her. Dented tank, handlebars and mirrors, broken directional was about all that I saw that was wrong besides the front end. The insurance company totaled it as they believed the frame was tweaked and didn't want to dissemble the bike to check the frame. They paid me for the bike and all of the accessories I had installed....List prices for everything. I asked why it was being totaled and they told me that to determine if the frame was damaged or bent in any way they would have to strip the bike down to inspect everything and it was not worth it. I took the money and purchased an 07 FXDL and never looked back.....I do miss the old gal though.....

 

Heard ALLstate was good to deal with good luck, can we just remove all the idiots from the road?

 

ahhhh man! glad you are ok!!!! that is the first thing... if you want to sell the windshield clamps from the fk up windshield i would def be intrested in them!

 

I can tell you this from an insiders prospective. I am a insurance adjuster in ny state. When the value of the repair is 75% of the actual cash value of the bike it is deemed a total loss. However if the salvage of the bike minus the acv is less than repairing the vehicle that will also result in a total loss. HD's generally bring nice salvage value. You have the option of purchasing the salvage and keeping the bike if you want to as well. You would be on your own for repairs then. An example would be if your bike's acv is 10000 and the salvage is 5000.00 you would get a check for 5000.00 and you would keep the bike and repair the bike as you see fit. But you would be responsible for all parts and labor. In ny state if the bike is 8 model years old or newer the title would be branded a repaired salvage and you would have to go through the state inspection process which is a pita. Over 8 model years no title branding.

 

I can tell you this from an insiders prospective. I am a insurance adjuster in ny state. When the value of the repair is 75% of the actual cash value of the bike it is deemed a total loss

I'm sure you're correct in your State and/or your Company. But, in Florida, with Allstate, they'll go to 100% of ACV.

"Totalling" a vehicle is generally a loser for everybody concerned. Especially the customer. There was some toying with 'Collateral Replacement' but it never went anywhere.

Allstate has what (used to be, maybe still) called 'Pro' shops where, if you went to a recommended shop, they'd back the repairs and any unseen or hidden damage for life. Do that if you can. They may not have a 'bike' Pro Shop. Who knows? But if they do, it's well worth the peace of mind.

Allstate also had a policy of of reimbursing their policy holder with the first money they received in subrogation as opposed to most other companies who reimburse with the 'last' money.

 

Good info guys, thanks. I'll also do a follow up post as to what Allstate comes back with for this one. Allstate did have a preferred shop a few years back when I was rear ended in my cage, but not for the Bike.
Just got a ring from the shop, estimate is at 4,600.01...WOW.

 

So I dropped the insurance check off at the dealer and it takes anywhere from 8 to 16 weeks to get painted items from the HD factory. So I should have my ride back sometime around X-mas or after the new year.