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Discussion Starter #1
I want a heads up on what I'm getting into. I use USAA insurance for my car, but they don't insure bikes so that goes through progressive. The wreck I was in the other driver uses USAA, and since she is at fault I'm dealing with USAA total loss claims for my bike. It's an '05 600RR. I have receipts for every aftermarket part I've put on it worth around 6,000. They've offered settlement at 5549, saying because the receipts are a year old they can't use them. Which is a flat out lie. I'm trying to figure out my options I'm already waiting on a manager because I'm not going to deal with the idiot adjuster that got put on this claim.
 

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Well aftermarket parts are worth a fraction of what you pay for them to insurance companies, dealers, potential buyers, etc. Depending on the mileage (and the fact you had two accidents according to your sig), I think $5500 seems pretty fair for an 11 year old motorcycle.
 

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so you had close to double what the bike was worth in aftermarket parts? that seems a bit far fetched. that being said I had a total loss with progressive a few years back on a bike that legitimately had about 3k of parts on it. they paid bike value, plus parts, plus helmet and suit. Really i made out like a bandit.
 

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The issue here is that the total loss procedure and laws vary by state. Iirc, in Texas where I think the OP is they only have to consider things that were done within a year. Major overhauls like an engine or transmission replacement may be considered outside of a year. A lot of the customization we do to our bikes they consider personal preference and not stuff that actually adds tangible value to the bike. I think the value they're offering the op for the bike is very fair.

Even if you were to file through your own policy it's unlikely you'd get reimbursed for the 6k in aftermarket parts unless you had them specifically listed on your policy via a rider. You typically only pay premium on a stock bike. It isn't reasonable to think that the insurance company is only charging you premium on a factory stock bike but when it's totaled you expect reimbursement for the cost of the bike plus thousands more for aftermarket parts that weren't factored into the premium you were paying. However, if you did have those parts listed on your policy win progressive then you'd be in good shape.
 

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first off, the other driver was at fault. You have all the leverage here.

When i was hit on my custom bike, i told them what it would cost for me to replace my bike with a similar one. Thats what you have to do, find a bike you want (same make, model, year, and mileage) with all the same or close to the same aftermarket parts, and thats what you should get.

-were you injured?
-was the driver cited?

there are a lot of unanswered questions that will dictate the payout. The company of insurance has nothing to do with it.
 

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Fault has nothing to do with making a payout greater...the vehicle is assessed, the payout is given. Fault determines WHO'S insurance pays, same with your other questions: injury, citations, etc. Sure finding another bike with similar aspects might help but again, aftermarket parts really mean little to adjusters. fnr32's advice might be best- check with progressive and see if it's worth it to file through them, they might be able to tell you if your premium will increase or not and you may get a higher payout.
 

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Medical pain and suffering? They offer you anything for that or was it parked? Do you get the keep the bike?
 

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Fault has nothing to do with making a payout greater...the vehicle is assessed, the payout is given. Fault determines WHO'S insurance pays, same with your other questions: injury, citations, etc. Sure finding another bike with similar aspects might help but again, aftermarket parts really mean little to adjusters. fnr32's advice might be best- check with progressive and see if it's worth it to file through them, they might be able to tell you if your premium will increase or not and you may get a higher payout.
wrong.

When i was hit, T-boned at 5 mph, the driver was cited.

They wanted to pay for replacement parts.

-I went to the dr to get assessed because i am not a medical professional, i do not know if i am injured or not... this got me an extra 1500

-i expalined my bike would never be the same and i wanted a new one (in lawyer speak) I got full retail price plus all gear i was wearing at retail price (10+k)

Its all a matter of how you posture. This has happened to me and close friends, our net payout was very good... my other buddy on a ninja. Bike was totaled he got 14k.

Know your rights, know you're the victim if your not at fault. you're entitled to compensation... or get fucked... up to you
 

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Discussion Starter #9
so you had close to double what the bike was worth in aftermarket parts? that seems a bit far fetched. that being said I had a total loss with progressive a few years back on a bike that legitimately had about 3k of parts on it. they paid bike value, plus parts, plus helmet and suit. Really i made out like a bandit.

It's not far fetched. If they didn't have my address on them I'd show you the full list, because some of this is gear and not parts. But I'm not lying when I say I have about 6k in aftermarket, deployments help with builds. And this isn't including some of the parts I've ordered off of Revzilla.

1 3829 Copper Washers for Banjo Bolts $0.40 $0.40

1 4620 1.25 Thread Single Banjo Bolt with Pressure Switch $22.95 $22.95

1 4705 LighTech Adjustable Rearsets with Folding Foot Pegs $620.95 $620.95

1 17992 Gilles Tooling Crash Pads for TCA Chain Adjusters $59.95 $59.95

1 30143 Brembo High Performance Low Drag Racing Lever for RCS Brake Master Cylinder $65.95 $65.95

1 31956 LighTech Magnesium Folding Clutch Lever with Race Vent (Straight Lever) $111.95 $111.95

1 57291 Gilles Tooling TCA Chain Adjusters [Black] $233.95 $233.95

1 57300 Gilles Tooling Lifters for TCA Style Chain Adjusters [Black] $59.95 $59.95

1 63815 Ohlins Steering Damper Kit $702.45 $702.45

1 Inusrance Insurance $19.00 $19.00

1 Note ! $0.00 $0.00
Subtotal $1897.50



#108917 Completed Oct 12, 2015 02:43 PM between Oct 19, 2015 and Oct 20, 2015 $58.18

#108598 Completed Oct 1, 2015 11:15 AM between Oct 7, 2015 and Oct 8, 2015 $154.66

#95127 Completed Aug 8, 2014 03:38 AM between Aug 14, 2014 and Aug 15, 2014 $474.86

#94637 Completed Jul 24, 2014 11:01 PM between Jul 28, 2014 and Jul 29, 2014 $250.86

#94340 Completed Jul 14, 2014 09:19 PM between Jul 18, 2014 and Jul 21, 2014 $156.49

#94220 Completed Jul 10, 2014 09:55 PM between Jul 14, 2014 and Jul 15, 2014 $618.23

#93180 Completed Jun 12, 2014 03:37 AM between Jun 20, 2014 and Jun 23, 2014 $1194.11

#93054 Completed Jun 8, 2014 03:45 AM between Jun 17, 2014 and Jun 18, 2014 $1646.98

#87036 Completed Jan 16, 2014 05:14 PM between Jan 17, 2014 and Jan 20, 2014 $71.16

#87009 Completed Jan 15, 2014 03:51 PM between Jan 20, 2014 and Jan 21, 2014 $202.99

#79971 Completed Jul 1, 2013 10:17 AM between Jul 1, 2013 and Jul 2, 2013 $116.99

Total: $4945.51
 

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Discussion Starter #10
Well aftermarket parts are worth a fraction of what you pay for them to insurance companies, dealers, potential buyers, etc. Depending on the mileage (and the fact you had two accidents according to your sig), I think $5500 seems pretty fair for an 11 year old motorcycle.

As far as insurance is concerned there are no crashes at all on the bike except for this total loss. The low sides weren't severe enough to where it was worth getting them involved. Replaced the pieces on the rearsets and the barends and called it a day.
 

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Discussion Starter #11
For shits and giggles here's the ones from Revzilla.

15214781 12/28/2015 @ 01:48AM $87.96 Shipped View
14979024 11/13/2015 @ 08:23PM $266.30 Shipped View
14468382 07/27/2015 @ 04:48AM $80.10 Shipped View
13679446 03/20/2015 @ 10:05PM $151.65 Shipped View
13706800 03/16/2015 @ 10:56PM $375.00 Shipped View
13706745 03/15/2015 @ 12:49PM $89.95 Shipped View
13679441 03/10/2015 @ 07:14AM $52.00 Shipped View
13468017 01/15/2015 @ 09:12PM $239.90 Shipped View
13118299 10/11/2014 @ 01:09AM $161.99 Shipped View
13118297 10/07/2014 @ 12:49AM $254.96 Shipped View
12981777 08/31/2014 @ 06:16AM $324.90 Shipped View
12891704 08/31/2014 @ 02:14AM $299.95 Shipped View
12893111 08/09/2014 @ 11:29AM $44.50 Shipped View
12893088 08/08/2014 @ 03:21PM $200.00 Shipped View
12891617 08/08/2014 @ 08:06AM $617.38 Shipped View
 

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Discussion Starter #13
OP, just curious why USAA won't insure your bike? my bike and all 3 of the cages are fully insured through USAA.

You confident USAA is insuring your bike? Because I've gone through their website to insure my bike and it forwards to progressive.
 

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You confident USAA is insuring your bike? Because I've gone through their website to insure my bike and it forwards to progressive.
yep, USAA general indemnity company, NAIC code 16800, for all 4 vehicles.
 

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Discussion Starter #15
That's interesting considering USAA website forwarded me to Progressive when I went to insure it.
 

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wrong.

When i was hit, T-boned at 5 mph, the driver was cited.

They wanted to pay for replacement parts.

-I went to the dr to get assessed because i am not a medical professional, i do not know if i am injured or not... this got me an extra 1500

-i expalined my bike would never be the same and i wanted a new one (in lawyer speak) I got full retail price plus all gear i was wearing at retail price (10+k)

Its all a matter of how you posture. This has happened to me and close friends, our net payout was very good... my other buddy on a ninja. Bike was totaled he got 14k.

Know your rights, know you're the victim if your not at fault. you're entitled to compensation... or get fucked... up to you
No, you are wrong. Graffiti and fnr both clearly have a good understanding of how this works. The things you mention have absolutely no influence on the value of THE BIKE. The value of gear and medical/pain&suffering are separate issues. FWIW, when my bike was totaled I was paid a very fair $8k for an 07. The total settlement was $75k+.
 

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No, you are wrong. Graffiti and fnr both clearly have a good understanding of how this works. The things you mention have absolutely no influence on the value of THE BIKE. The value of gear and medical/pain&suffering are separate issues. FWIW, when my bike was totaled I was paid a very fair $8k for an 07. The total settlement was $75k+.
Fair point, im thinking of total settlement. For me there were two checks, bike and gear was all combined. BUT, you do have a right to argue for replacement value of the bike. ie sentimental value. I had a custom bike at the time, it was only available for one year. I straight told them (guys insurance company) if they found another one, show me. They gave me what i wanted/what the bike was WORTH TO ME. I got 2k more than full retail.

I have had a different exp, could have been my legal council.
 
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