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Hit from behind at a Stop Light
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Hit from behind at a Stop Light - May 23, 2014, 08:36 AM

Thought I would share with you all. So I was very lucky last night. On my way home from a softball game last night I was stopped at a red light making a left-hand turn. All of a sudden BOOM! I’m in the air and then on the ground with my bike in the middle of the intersection. A 71 year old dude was also trying to make a left-hand turn and somehow didn’t see me or the red light that I was stopped at (this baffles me). He rammed my rear tire and I couldn’t stay on the horse.

I’m fine. I walked away with nothing broken or scratches but my bike had to be towed. He popped the rear tire and bent the rim really good. Scratches all along the left side of my bike and under the tail where his car pushed my license plate up. I'll post some pictures of the damage later. It was at night so the ones I have are not that good.

Now I have to work with their insurance to get things sorted out. I'm a little weary of them being able to fix the bike. Any experience on how that works? Do I have any say if I am uncomfortable with riding a repaired bike after that type of accident?


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May 23, 2014, 08:52 AM

You can refuse the repair, but you need a reason. i.e. You can't just say you don't want a repaired bike. You need to point out, "Oh, this panel gap is not acceptable" or "there's a scratch on the frame." Do that 3 or 4 times with various things and they'll probably give up and cut you a check. It's very hard to get any vehicle to as new to the discerning eye.

That said, it's very easy to total a bike with fairings. Sounds like you got almost all the fairings, rear wheel, sub-frame is probably bent, etc. Throw labor in and I bet you're close.
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May 23, 2014, 08:56 AM

sorry to hear about your neck and back pain. you probably shouldn't edit that out. glad to hear it wasn't worse. good luck with getting it all sorted.


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May 23, 2014, 08:56 AM

Their insurance company will contact you and establish a time and date for their adjuster to view the motorcycle.

Depending on the costs of repairs, they will either cut you a check or total the bike if repair value exceeds 75% of book value, and make you an offer which you do not have to accept. You can attempt to negotiate for a higher amount.

Irrespective of either conclusions it does not matter to their insurance company whether you do or don't feel comfortable riding the bike after.



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May 23, 2014, 09:19 AM

Chances are good that your bike will just be totaled. Sorry to hear but glad you're alright.


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May 23, 2014, 09:22 AM

Whether you think you need it or not, go to the doctor and get checked out. I bet you feel it this morning. Pass the bill on to the insurance company, it will be near impossible for them to deny that coverage considering you got rear ended without any neck or back support like you would in a car seat.

As for the bike, I would tear all the plastics off and check everything. I would also have it checked for geometry. Most dealers won't do this, they will only go for the visual things. It's impossible to see a slight change in frame geometry unless you have the correct tools.
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May 23, 2014, 09:31 AM

Take the bike to a reputable shop and have them take a look at it first and assess the damage before an adjuster does. Depending on the bike it could be totaled but it all depends on where the scratches and stuff are because they are supposed to replace anything that was damaged. Had my old 636 hit and they didn't total it but it was about 3500-4k in damage and used that money for new fairings, replacements of stuff for aftermarket parts etc. All in all it worked out well.


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May 23, 2014, 09:34 AM

Quote:
Originally Posted by MXRider View Post
I would also have it checked for geometry. Most dealers won't do this, they will only go for the visual things. It's impossible to see a slight change in frame geometry unless you have the correct tools.
Thanks for all the input. I plan on going to the Dr. today or tomorrow just to get checked out. Any suggestions as where to have it looked at for "Frame Geometry"? Anyone know who has the correct tools to ensure everything is straight should they decide it is repairable?


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May 23, 2014, 09:52 AM

Glad you were able to walk away.


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May 23, 2014, 10:14 AM

I am not a lawyer, but I have been through an injury accident case myself involving a "phantom" vehicle. Basically, someone cut me off and high-tailed it, leaving me laying on the pavement with a broken wrist.

Here's the single most important thing to remember: The at-fault driver's insurance company is NOT your friend. You are under NO obligation to be generous or compassionate with them. The at-fault driver carries insurance to compensate the victims of his or her NEGLIGENCE. That insurance company does not give two shits about you, your property, or your long-term health, no matter how much the claims adjuster tries to convince you otherwise. Put your ruthless self-interest cap on and be ready for a fight.


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May 23, 2014, 10:19 AM

Quote:
Originally Posted by OrangeShirtDude View Post
I am not a lawyer, but I have been through an injury accident case myself involving a "phantom" vehicle. Basically, someone cut me off and high-tailed it, leaving me laying on the pavement with a broken wrist.

Here's the single most important thing to remember: The at-fault driver's insurance company is NOT your friend. You are under NO obligation to be generous or compassionate with them. The at-fault driver carries insurance to compensate the victims of his or her NEGLIGENCE. That insurance company does not give two shits about you, your property, or your long-term health, no matter how much the claims adjuster tries to convince you otherwise. Put your ruthless self-interest cap on and be ready for a fight.
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May 23, 2014, 10:24 AM

Glad you're ok/ it wasn't worse.. Not sure the year or value of the bike, but wouldn't be surprised if it was totaled. A doctor and Personal Injury lawyer should probably be in your near future.


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May 23, 2014, 10:49 AM

Don't forget that any gear you were wearing is included in the total cost. So a leather suit and helmet, if that were the case, can add up a grand or more on top of the bike.
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Hit from behind at a Stop Light
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Hit from behind at a Stop Light - May 23, 2014, 10:49 AM

Quote:
Originally Posted by WatchDisR6 View Post
Thanks for all the input. I plan on going to the Dr. today or tomorrow just to get checked out. Any suggestions as where to have it looked at for "Frame Geometry"? Anyone know who has the correct tools to ensure everything is straight should they decide it is repairable?

GMD Computrack is the company that normally provides this service.
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May 23, 2014, 10:50 AM

Quote:
Originally Posted by OrangeShirtDude View Post
I am not a lawyer, but I have been through an injury accident case myself involving a "phantom" vehicle. Basically, someone cut me off and high-tailed it, leaving me laying on the pavement with a broken wrist.

Here's the single most important thing to remember: The at-fault driver's insurance company is NOT your friend. You are under NO obligation to be generous or compassionate with them. The at-fault driver carries insurance to compensate the victims of his or her NEGLIGENCE. That insurance company does not give two shits about you, your property, or your long-term health, no matter how much the claims adjuster tries to convince you otherwise. Put your ruthless self-interest cap on and be ready for a fight.
This

My personal injury case from my accident 2 years ago just wrapped up.

Blood from a turnip doesn't even start to describe what a pain in the ass dealing with insurance is. My lawyer handled all of the injury stuff, but I was left to handle all the property damage. Stand your ground and push them up as much as you can on compensation. A few thousand dollars isn't going to hurt their bottom line, but it means a lot to us common folk.


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