Wrecked my GS on the freeway today... I'm OK!

[Zook]

Now you know why they are called, "adjusters".

If you were ot covered and negligent, then why was your passenger compensated? And, if I was your friend I wouldn't be so quick to accept ANY payment right now. You don't know what may crop up or linger for a while.

NEVER, EVER make a remark, even in jest that you were "apparently at fault", even on a message board. These insurance companies are ruthless.

And if they try to total your bike and then allow you to "buy it back", don't fall for it. The bike is still yours, they aren't buying it, nor do they have any right or claim to the title. Insurance covers the loss in value, not the ownership.

You have the right to remain silent. EVERYTHING you say will be misquoted and used against you in a court of law.

As Ron White says, "I had the right to remain silent, but not the ability."

 

[Skyboy8950]

Zook, good advice. Luckily, my father in law (of 3 weeks now) is a lawyer. I think my insurance company is going to be getting a call from him if we cannot fix the situation. I did the math and my claim would be $1300, which is less than what my friend got. I'm sure we can come to an "understanding".

 

[gustovh]

Skyboy, where did your accident happen, I live in the Portland area. Cagers concern the crap out of me around here. I commute to Vernonia from Gresham when I don't have to haul building supplies in my Van. Many times have been forced into another lane or the E strip by cagers with their cel phone in their ear or yacking at their passenger.

My wife had the misfortune of wrecking on my Rebel 450 and went down around 35 mph and broke her left knee. The anatomy of the accident will be posted later.

Glad to hear that you fared well, we should hook up and take a ride some day.
V

 

[Skyboy8950]

It happened on I-5 and Lombard. We will definitely go for a ride, but it might be a while for me to fix my bike.

I am sorry to hear about your wife. I hope her recovery is swift.

 

[groundshock]

Wow, sorry i didnt catch this thread sooner!

Good to hear you are ok, Schuyler.

Looks like the bike held up quite well.

 

[Big T]

Sky,

I think you'll find that the decision to lay it down is considered a crash in legal circles. Your failure to keep a safe following distance is your negligence.

Your friend got paid because your negligence makes you liable to him for his damages. Hence the check. Liability insurance is required.

IF you have comp or collision on the bike, your policy will pay for the bike damage, less the deductible.

Your motorcycle policy will expressly exclude your gear, which is personal property and covered under your renters or homeowners policy. There is no med pay required in Oregon for motorcycles, and you didn't rack up any medical bills.

I don't mean to sound harsh, because this is just the facts. I don't think your FIL can create coverage where it doesn't exist.

Life is full of lessons. Here's one from your local geezer. Read any insurance policy you ever get in life, and ask questions. Your agent is typically a guy who decided not to sell used cars for a living and knows very little about what he is selling. I don't care how
professional he looks. Someday we'll have a beer and I can tell you stories you wouldn't believe about this.

And I'm glad you're OK.

 

[SqDancerLynn1]

I concur with Big T. Unless you have FULL coverage No payment

 

[Nessism]

I'm saddened by this story. Really sucks. Glad you guys weren't hurt worse than you were.

Here is CA, if you rear end someone it's almost universally considered your fault. Doesn't seem to matter much whether or not the guy in front slammed on his brakes or what have you, you are expected to have adequate spacing so you can stop regardless. Not sure if it's too late or what but I wouldn't mention that you laid the bike down to avoid a collision, just tell them you grabbed your brakes and because it was wet, you went down. Makes it more clear cut as to what caused the accident. At any rate, good luck with all that and let us know what happens.

 

[Skyboy8950]

Again, thank you all for your words. I have yet to talk with the people I need to at the insurance agency, so no news on that front. The renter's insurance idea was a good one. I am going to look into that.

Now that it has been a week since this happened, I am shocked and amazed that we are in the condition we are. Yes, I wrecked my bike, but I didn't wreck my life, or worse, my friends life. I think I had, and still have, a lot of anger and frustration, though, to the person who cause the accident initially, to myself, and now my insurance company. But now completely knowing the outcome, I feel better about things. In fact, just got back from a weekend of vacation and feel real good. And no doubt all your thoughts and words have helped. I always appreciated this community for their help and wishes.

Thanks again.

 

[Skyboy8950]

Update: The insurance adjuster's supervisor and I talked, he got straight to the point and wanted to work the case. He asked for the copy of the police report I have and wanted to do due diligence, unlike the first adjuster. Hopefully this will be resolved soon. I was certainly comforted by his willingness to look into it further.

 

[Billy Ricks]

Update: The insurance adjuster's supervisor and I talked, he got straight to the point and wanted to work the case. He asked for the copy of the police report I have and wanted to do due diligence, unlike the first adjuster. Hopefully this will be resolved soon. I was certainly comforted by his willingness to look into it further.

Most insurance companies will lowball you to see if you'll accept the offer. Allsnakes is always in trouble for their tactics. They usually have a dozen or so states with anti-trust suits against them at any given time.

 

[Skyboy8950]

I'm low balling them. I don't want much, just for the parts my bike needs and money to replace my gear. Not very much...

 

[Nessism]

I'm low balling them. I don't want much, just for the parts my bike needs and money to replace my gear. Not very much...

I'm pretty sure the adjusters don't make these decisions based on cost; it's not as if they will cover you if it's $1000 but they won't if it's $1500. A difference like that is insignificant to these companies. When I had a wreck they asked me to put together a list of gear that was damaged and give it to them. They priced it out themselves. They also sent an adjuster to look at the bike so don't do anything to it until they do. They judged the damage themselves. If they ask you to do your own assessment, be reasonable but don't cut everything to the quick. You will just be shortchanging yourself.

Good luck with everything.

 

[gs scott]

Skyboy,

The most important thing is that - not only are you and your friend alive to tell the story - and you're both in remarkable shape considering a high side at 55! And, your bike looks a lot better than I expected too.

Yes, insurance companies all bite the big one - screw you any chance they get. You're both walking, talking and lucid - not everyone is that lucky...

Sure, try to get some compensation to fix your bike, but you've already received the most remarkable gift after some other idiot's carelessness.

Scott

 

[Skyboy8950]

Please check out my new thread here:
http://www.thegsresources.com/_forum/showthread.php?t=132675

I didn't get insurance money and would like to know what to do. Thanks.