T-boned a deer at 50 mph Thursday. I went rag dolling down road for 50 yards. Bike did same thing but about 75 yards. It just kept rolling, tumbling, and flipping. Extremely fortunate that I got away with only 2 casts, one for a fractured wrist and one for a sprained ankle. Bike will probably be totaled because everything, and I mean everything, was deeply scratched and or ripped off and smashed during the accident.

Anybody have any advice on dealing with insurance adjusters in California?

 

Glad to here you are (somewhat) OK. Sounds like you were very lucky.

I would think this would be a pretty simple transaction. This is what MSRP is for your bike and here is your check.

Have fun looking at new bikes.

 

Hopefully, You will heal to as good as new. The bike can be replaced. Be careful with the adjusters, Thier job is settle Your claim for as little as possible. Good Luck!

 

Hard to say specifically. All insurance companies do business differently and differently from state to state. Adjusters are all individuals, some good, some not so good. Treat the claim as an ongoing process. The first number they offer for a totalled vehicle isn't necessarily the number you have to accept. Lots of ways to make it work, including you buying back the wreck for parts salvage. I would suppose a price at whatever you think the bike is worth would seem fair to you. Just remember that you have some legal rights even though I've seen adjusters pretend otherwise.

 

did your insurance for your bike have an agreed upon value? or waiver of depreciation rider? , if so your fine and getting a new bike. If not ..... call your lawyer. Glad your o.k.

 

if you have any aftermarket stuff that can be saved get 'em and put the oem stuff back in it's place the insurance co. won't pay you near what those fancy floorboard covers or pcv or screamin eacle air cleaner is worth. they'll pay for the bike and not consider the extras you put on it. I know from experience.

 

You do not get MSRP for a totaled out bike. You get the used value of the bike.

 

Who are you insured with? Did you insure the bike brand new with this company?

 

Actually Insurance companies purchase third party computer systems (like CCC) that help them estimate costs in automotive/motorcye claims and collision repairs. Third party software supplies insurers with software and a database that helps determine the value of a vehicle. These systems have databases and systems that contain benchmarking tools to find the true value of a vehicle from repair shops and dealers. That said...do your own research and pull your owm comps so you are not accepting an offer less than what the actual cash value of your bike is.

While I am not a claims adjuster, I do investigate insurance fraud. The claim you described would not appear to present any problems regardng the actual loss events. Work intelligently with your adjuster. This is a business transaction no matter how emotionally invested you are.

Someone said to get a lawyer. Not needed. This is a first party claim (you and your bike) and they are settled relatively quickly. There's a good chance if you "lawyer up"... you'll prompt an investigation which could involve anything from reorded statements to an examination under oath, background investigations, neighborhood canvases, dealer and maintainance inquiries, etc. Typically in first party insurance claims attorneys are mouthpieces and nothing more. Settlements are very rarely alarger and when they are...not significantly. And you'll be giving some of it to Mr. Atty.

 

MSRP for whatever year his bike is. He should get MSRP is for his bike to date.