Originally Posted by Pebbles

Hi all, it's been awhile since I last logged on, life has been demanding, but I have been able to put almost 2,000 miles on so far this year .
Here's the deal...my husband was on his bike at a stop sign waiting to turn right(east). He was waiting for a vehicle that was heading east to go by, and there was another vehicle that was heading west that was going to make the left turn at the intersection....well, she got in a hurry to beat the vehicle that was heading east, and so cut the corner, turning into the left lane where my husband was, and hit him head on--thankfully he had angels with him that day.... . He came out of it not being paralyzed or dead. Had my husband been sitting by the yellow line, instead of the far right side of the right lane, she would have missed him--that's how far she cut the corner.....so, it's totally her fault, cut and dried.
Now, her insurance claimed that the bike is totalled--we agree to that. They are saying that they will pay off the loan ($19,000) plus give us $1,600 extra for loss of gear-jacket, etc. We had paid $15,000 on the loan, we had 2 years left to pay off the loan. Does it seem outrageous to expect the insurance company to get us another bike, with the total paid down $15,000, plus pay off the totalled bike?? Because....
My husband did get injuries from the accident, so he can't work. My paycheck won't cover all the bills every month, so our credit will be affected, so then how will we be able to get another loan to get a bike? We really believe that absolutely no extra money should come out of our pocket, because of a stupid decision some other driver made. What do you gals and guys think about this???