T-boned a car

[robertkh100]

I went through a yellow light and hit a cars passenger door. I'm just wondering what is considered a totaled bike? I don't want a salvage title motorcycle because I won't be able to sell it for much. Thanks. By the way the four witnesses that saw it said it wasn't my fault.

[Mountain Dew]

Pay more attention.

[Skid]

Your insurance company will determine if it will be totaled or not. Depends on how damaged your bike is. If total cost to repair is close to the actual worth of the bike or more, they will total it.

A friend of mine dropped his bike, and they totaled it. All it had was cracked fairings and a dented tank.

They should issue you a check for the market value of your bike, so just buy another one.

[massacremasses]

itll be totaled.

[robertkh100]

Originally Posted by massacremasses

itll be totaled.

I feel weird saying this, but thanks lol.

[massacremasses]

haha motorcycles are sensitive.... haha

[Jiggles]

Hey I did that too except I broke a leg. You must not be very good at crashing.

[Trailerboy531]

Vehicles are considered totaled if the cost of repairs (measured by MSRP, not what good deal you get from your friend. A side fairing costs $450 to them) is greater than 75% of the value of the vehicle.

Given that 250s are relatively cheap, but their parts can add up quickly, your bike is certainly totaled.

[NJ Ninjette]

Originally Posted by Trailerboy531

Vehicles are considered totaled if the cost of repairs (measured by MSRP, not what good deal you get from your friend. A side fairing costs $450 to them) is greater than 75% of the value of the vehicle.

Given that 250s are relatively cheap, but their parts can add up quickly, your bike is certainly totaled.

^ This^

Was talking with a service writer at a local shop that does a fair amount of insurance work and he couldn't remember the last time they fixed a 250. Unless it's less then 6 months old almost any accident will total one of these bikes.

[FrugalNinja250]

Technically it's not MSRP, which was the manufacturer's suggest list price when it was new. Instead, it's the current blue book value from sources such as NADA, KBB, and Edmund's. For a good idea if it's totaled, go to a parts seller like http://www.ronayers.com and check out the fiche section. You can look up replacement costs for the parts that are damaged and add them up. If that list comes up to be higher than around 2/3 of the NADA book value then the bike is considered economically totaled, even if it's perfectly repairable from a technical point of view.

There is also the option of negotiating with the liable insurance company. In my case a person drove her truck into me head on at a four way stop sign. The '06 was considered totaled because the cost of the fairing, gas tank, headlight, instrument cluster, fender, and left muffler was over $4,000 and the book value was $2,800. I negotiated with the insurance company to keep the bike with a clear title and received a check for $2,400, and sourced the parts on the used market. I then took a paint class at the local community college and painted it myself, leaving my total out the door costs to get back to good cosmetic and running condition (excluding my labor) of less than $2,000.

Some insurance companies don't like to negotiate, a lot depends on the insurance company representative and your politeness/demeanor. Some things to consider: The book value they use to formulate their first offer to you may be less than what actual market values are in your area. Often times the first offer is a low-ball. They try to guess the least you'll take without a fight and make that their first offer. The more knowledgeable you are about market values in your area and how your bike fits in, the better chance you'll get a good offer. Don't be afraid to politely respond with a counteroffer based on your research, and be prepared to provide prints of ads, etc.

Also, you'll be getting two checks. The first one will be for property damage, it covers the bike, accessories, and your gear. The second offer will be for pain and suffering, doctor visit, medical bills, car rental, lost time from work, etc. Be sure to keep a well-documented list of all your non-property costs stemming from this collision, you have the absolute right to be compensated for them.

Good luck!

[robertkh100]

Originally Posted by NJ Ninjette

^ This^

Was talking with a service writer at a local shop that does a fair amount of insurance work and he couldn't remember the last time they fixed a 250. Unless it's less then 6 months old almost any accident will total one of these bikes.

It was the same ninja you have, one month old. I have pictures that i'll post in just a second.

[robertkh100]

It looks pretty bad, i'm not sure if it's totaled though.

[NJ Ninjette]

With it being one month old they may fix it, just because it's so new. Other then then the bent forks it's just plastic, if the frame is bent I believe it will be totaled.

[Whiskey]

If the frame is damaged it's a write off, you could always make sure that the frame is damaged before the assessor gets a look at it...

[ninja_thresh_hold]

its not totaled, itll be like 500-600$ for fairings, youll probably need a fairing stay bracket, they tend to bend easily, 120-150$ and new turn signals, 20-100$ so all in all 850 worst case scenerio, so obviously not totaled :] but just be glad you came out with little to no injuries!

[Jiggles]

Your guys estimates are way off. Want to know what $4,200 of damage looks like?





I'd say my bike appears to be in better shape than the OP's and yet it only took 5 minutes for the adjuster to plug in all the damage into his computer and come out with $4,200 of damage on just the visible parts. He didn't even bother to see if the frame was bent.

[nickjpass]

That bike looks totaled lol

[robertkh100]

Originally Posted by Jiggles

Your guys estimates are way off. Want to know what $4,200 of damage looks like?





I'd say my bike appears to be in better shape than the OP's and yet it only took 5 minutes for the adjuster to plug in all the damage into his computer and come out with $4,200 of damage on just the visible parts. He didn't even bother to see if the frame was bent.

Thanks man, the exhaust was also pretty messed up although you cant see it in those pictures.

[Klondike1020]

Lol both your bikes look nicer than mine

I need part so pm me if you buy it back an part it out lol

[Trailerboy531]

Originally Posted by ninja_thresh_hold

its not totaled, itll be like 500-600$ for fairings, youll probably need a fairing stay bracket, they tend to bend easily, 120-150$ and new turn signals, 20-100$ so all in all 850 worst case scenerio, so obviously not totaled :] but just be glad you came out with little to no injuries!

Sorry to be a little harsh, but you pulled those numbers completely out of your backside and it's not okay to share information like that as if you know exactly what you're doing. His fairings will cost $600 MINIMUM. $850 is not worst case scenario, that would be if his claim adjuster was Jesus. This bike is definitely totaled.

[massacremasses]

Originally Posted by massacremasses

itll be totaled.

what did I say.... oh yeah thats right...


If only plastics are damaged I would still see if I could buy it back.

[Klondike1020]

Buy it back and then pm me and we can work out a deal ! I love wrecked bikes that's how I get all mine haha

[FrugalNinja250]

Without doing an actual estimate, I'm going to bet it will be considered totaled. For one, the right fork (and likely the left) is very, very bent. Those run nearly $400 each. The Ronayers.com fiche doesn't list parts for anything newer than 2010 now, but in 2010 the side fairings are $236 each, the upper fairing is $191. The windshield is $117, and the front fender is $102. So far we're up to $1,658 for just some of the main parts. Headlight assembly is $202, the bracket it attaches to is $167. Right turn signal, $30. Cheapest part so far. Mirror? $53. Muffler? $398. Now we're at $2,508, and we haven't even started looking at the various little odds and ends like the plastics around the instrument cluster, etc.

If the frame's bent at the head tube, possible with an impact that bends forks, that's another $997. Also, the estimator figures in shop labor rates when calculating the damage estimate. Shop labor for a frame would likely run over a thousand bucks, all the other stuff probably around $400-500. There are standard rates for replacing each item, .5 hour for this and 1 hour for that, it all adds up.

[robertkh100]

Originally Posted by FrugalNinja250

Without doing an actual estimate, I'm going to bet it will be considered totaled. For one, the right fork (and likely the left) is very, very bent. Those run nearly $400 each. The Ronayers.com fiche doesn't list parts for anything newer than 2010 now, but in 2010 the side fairings are $236 each, the upper fairing is $191. The windshield is $117, and the front fender is $102. So far we're up to $1,658 for just some of the main parts. Headlight assembly is $202, the bracket it attaches to is $167. Right turn signal, $30. Cheapest part so far. Mirror? $53. Muffler? $398. Now we're at $2,508, and we haven't even started looking at the various little odds and ends like the plastics around the instrument cluster, etc.

If the frame's bent at the head tube, possible with an impact that bends forks, that's another $997. Also, the estimator figures in shop labor rates when calculating the damage estimate. Shop labor for a frame would likely run over a thousand bucks, all the other stuff probably around $400-500. There are standard rates for replacing each item, .5 hour for this and 1 hour for that, it all adds up.

Thanks for the info.

[Numbersix]

Originally Posted by Jiggles

Your guys estimates are way off. Want to know what $4,200 of damage looks like?
...
I'd say my bike appears to be in better shape than the OP's and yet it only took 5 minutes for the adjuster to plug in all the damage into his computer and come out with $4,200 of damage on just the visible parts. He didn't even bother to see if the frame was bent.

Both yours and the OP's have the front wheel pushed back practically into the radiator. It doesn't take an expert to guess frame damage there.

Anyway thanks for the pictures; I've finally now seen a closeup pic of the Zero Gravity dark smoke color. Since I'm about to pull the trigger on their sport touring windshield (which is taller) I'd been debating between light smoke and dark smoke. I don't tuck as a rule but I now think dark smoke will be too dark for me. Looks great in the DB size, though!

[Jiggles]

I'd say go light or clear in case you ever want to put a camera behind it

[robertkh100]

Found out that it was actually totaled. Thanks guys

[nickjpass]

Sucks to hear it...but it can also be a relief! Get back on two wheels soon, and be more careful.

[robertkh100]

Originally Posted by nickjpass

Sucks to hear it...but it can also be a relief! Get back on two wheels soon, and be more careful.

Thanks man, you too.

[Jiggles]

Originally Posted by robertkh100

Found out that it was actually totaled. Thanks guys

Time for an R1

[Joule]

Originally Posted by Jiggles

Time for an R1

Why not BMW s1000rr or ninja zx14r :P? i kinda feel R1 is smaller =_=

[robertkh100]

Originally Posted by Jiggles

Time for an R1

I'm actually thinking about that. That or a Gixxer 750.

[LoneRonin]

Originally Posted by Skid

Your insurance company will determine if it will be totaled or not. Depends on how damaged your bike is. If total cost to repair is close to the actual worth of the bike or more, they will total it.

A friend of mine dropped his bike, and they totaled it. All it had was cracked fairings and a dented tank.

They should issue you a check for the market value of your bike, so just buy another one.

who the hell drops their bike and makes an insurance claim?? He'll be paying out his ass for the next 5 years...I crashed my bike 3 times and fixed her up myself every time, no need to get insurance involved for less than a thousand bucks...

[Trailerboy531]

Originally Posted by robertkh100

I'm actually thinking about that. That or a Gixxer 750.

Have you ridden an R1? You need amazing throttle control for it. The thing is super jumpy and unhappy at low speeds. (meaning less than 50mph for an R1)

A 750 on the other hand...well that thing is a blast. You have to let me ride it if you get one

[massacremasses]

Originally Posted by robertkh100

I'm actually thinking about that. That or a Gixxer 750.

He was joking.


I rode my ninja for almost a year and still was never close to taking it to its potential.

An R1 is generally not the best next step.

[Stingray1000]

Originally Posted by Jiggles

Hey I did that too except I broke a leg. You must not be very good at crashing.

Or better at it than you.... LOL

[Jiggles]

Clearly not! All he has is a totaled bike!

[Renner]

Originally Posted by Mountain Dew

Pay more attention.

^^^^Give better advice based on help...not just post count^^^^


Talk to the insurance company....if they total it...take the money and ask to buy it back for scrap...if they give a fair price and you can replace everything with their money and have some left over DO IT! I did this with 2 snowmobiles and it worked out perfect and it was legal

[Jiggles]

Originally Posted by Renner

^^^^Give better advice based on help...not just post count^^^^


Talk to the insurance company....if they total it...take the money and ask to buy it back for scrap...if they give a fair price and you can replace everything with their money and have some left over DO IT! I did this with 2 snowmobiles and it worked out perfect and it was legal

Just FYI my insurance said I could buy it back for 2k. Not even close to being worth it

[Mountain Dew]

Originally Posted by Renner

^^^^Give better advice based on help...not just post count^^^^

How was my advice not helpful? It was clear and concise.

Let me elaborate.

When you're going through an intersection, ESPECIALLY during a yellow light, when everyone's trying to get through faster, pay attention to the cross and oncoming traffic. Not only are they likely going faster than they would if it were a green light, but they're likely not paying attention. If they're not paying attention, then it's YOUR responsibility to be paying attention, especially since bikes are so much more fragile and the riders more exposed than in an automobile.