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Old August 24th, 2010, 01:52 PM   #34
FrugalNinja250
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Name: Frugal
Location: Dallas/Fort Worth (DFW)
Join Date: Mar 2010

Motorcycle(s): Several

Posts: A lot.
They likely won't total it, or you could elect to have a few things not repaired to get the claim cost down. Remember, you choose how much to repair/replace, not the insurance co. But a bigger consideration is what will happen to your rates with a claim. When someone else causes the wreck the insurance co goes after the other party, but in a single-party wreck like this they will likely raise your rates significantly.

As an alternative, you can elect to effect repairs on your own and not file a claim (I highly recommend this course of action), sourcing good used parts over time and fixing it yourself. Not only will you save money (increased rates) you'll also learn how to fix your bike when you wreck it again. There's always an "again" for most riders.

Remember, "totaled" is an insurance company construct based purely on replacement/repair costs, and has nothing to do with actual bike repairability.
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