need help! my baby got ran over

nips · May 30th, 2011, 06:35 PM

so yesterday my friend went to go buy his new zx6r and has a lifted truck and forgot where my 08 250r was and hit it and made it slide on the street a good 6 inches

of course its memorial day weekend so no shop is open

i want to get an idea how much my buddy has to pay to fix my bike or if it would be considered totaled

the right handle bar is bent down touching the fairings the upper fairing is scratched and cracked. the left side fairing is broken in 2. the right side fairing is scratched and cracked. the front caliper is deeply scratched. the mirror and front brake lever has bad road rash. the rear brake lever is bent bad enough i couldnt bend it back and my two bros exhaust is scrapped and bend (i think it might just be the mount/ rear foot peg.

im still in shock i havent even had it for a month and was jsut about to hit 300 miles

is this worth repairing or would it be considered totalled
i paid 3200 for this bike april 1st

"A" · May 30th, 2011, 06:40 PM

That blows.. get your buddy who ran into your bike to take it to a shop and have him pay for everything that it needs to get it back to its original condition prior to the incident.

That seems fair to me.

nips · May 30th, 2011, 06:51 PM

o believe me thats what he will be doing

i just wanted to know if its enough damage to be considered totaled o the front brake doesnt really work now after the hit

i told him if it isnt in the process of being fixed or fixed this week then i will take his new 05 zx6r till its done

"A" · May 30th, 2011, 06:56 PM

Quote:

Originally Posted by nips

o believe me thats what he will be doing

i just wanted to know if its enough damage to be considered totaled o the front brake doesnt really work now after the hit

Without pics, can't say for sure.

Quote:

Originally Posted by nips

i told him if it isnt in the process of being fixed or fixed this week then i will take his new 05 zx6r till its done

That's a bit unreasonable.

Too40gawlf · May 31st, 2011, 04:01 AM

Quote:

Originally Posted by nips

o believe me thats what he will be doing

i just wanted to know if its enough damage to be considered totaled o the front brake doesnt really work now after the hit

i told him if it isnt in the process of being fixed or fixed this week then i will take his new 05 zx6r till its done

Is there some magic genie that totals bikes? A vehicle only gets 'totaled' if you involve insurance and the the insurance company feels that the cost of fixinh it would approach or exceed the value of the vehicle itself. Thus, they pay you a version of what they feel is the fair market value and they take the wreck from you. If you are handling damages between you and the other party, you could have $10,000 in damages to your Ninja 250 and it wont be 'totalled.'

Yeah, if I was him, Id tell you to go pound sound when it comes to the 636.

FrugalNinja250 · May 31st, 2011, 07:38 AM

Quote:

Originally Posted by nips

is this worth repairing or would it be considered totalled
i paid 3200 for this bike april 1st

Low-speed drop, minimal damage. Did he actually run over any part of the bike? Or just bump it over onto its side? If the latter, then parts to fix will probably run less than a grand. Fairings and bits are a lot more common on ebay and locally for this bike than for the pre-gens. Start hitting craigslist and ebay for used parts, work up a price, and present it to him. It's all bolt-on stuff so it'll be easy to fix. Make sure that the painted bits come from the same year bike so that the paint matches.

nips · May 31st, 2011, 12:16 PM

id take his zx6r because i dont have a way to get to work now

he was telling me he has 700 bucks now since he went and got the new bike right after he knocked mine over and if the damage is more then that it will have to be done with insurance and i didnt know if thats enough damage for them to just say **** it and call it totalled i just noticed the front brake rotar is bent and the lip on the rim is cracked

Too40gawlf · May 31st, 2011, 12:29 PM

Yeah, this is going to be a tough one. Per book value (what the insurance is going to pay for your bike) your bike is probably worth about $2500-3000. Now, I dont have a great idea about parts and prices for Ninja 250s, but if all the things you list need replacing, comibned with the labor at the shop, there is a good chance you can rach the total threshold for the bike (which is probably somewere at about 2/3 the value of the bike). So if you get an estimate from a shop at or above $2000, the insurance is going to total the bike.

If the estimate is in fact that high. Theres a way you can approach this which may in fact turn out to be a net benefit for you. You can file the claim against his insurance and take the pay out, buy back your totaled bike at a fraction of its book value, buy an older pre-gen for transportation, and over time fix your wrecked new gen by doing the work yourself.

I think the first thing you need to do is get an estimate from a shop or two to see what the damages are.

Liber · May 31st, 2011, 12:38 PM

Wait...he wants you to use your insurance to cover the damage HE did?

If not, I don't see what the big deal is. You don't HAVE to put your bike in the shop. My cousin's R1 had most of the front end stolen and he told his insurance he would do the labor(he isn't a mechanic), and his insurance told him to buy the parts and give them the receipts.

Your friend's insurance should be able to do the same. Talk to them and work something out.

EDIT: whoops, didn't see the part about this being your to-work transport. Still, if his insurance totals it and you get back anything less than $3000 he should make up the difference. If I were him I would have put off buying my ZX-6R another 2 weeks and helped you recoupe your loss.

nips · May 31st, 2011, 12:56 PM

ya exactly it kinda pissed me off he leaves me without a bike and 2 hours later spends 5400 on a bike for him when he has a work truck and this is his weekend bike

im taking it to a shop today for an estimate i just wanted to know what the options will be i didnt know if i should plan on seeing my bike soon or if i should start shopping for a new bike

Bosgarage57 · May 31st, 2011, 01:00 PM

Friend or no friend he would be paying for it, either him outa pocket or his insurance. It was his fault. Ask him how he would feel if you ran over his brand new zx6r.

nips · May 31st, 2011, 01:15 PM

he feels like **** for it we both know im not putting a cent into the repairs

were just trying to find out if the damage is enough for outa pocket or if insurance has to get invovled and he actually has 500 left

thats not enough for the repairs is it?

Liber · May 31st, 2011, 01:21 PM

how much is his deductible?

HKr1 · May 31st, 2011, 01:24 PM

500 isnt gonna do it... get with his insurance.

nips · May 31st, 2011, 01:49 PM

its 500 do u guys think i should start shopping for a new bike? cuz everything thats got road rash on will be replaced the caliper even has road rash

FrugalNinja250 · May 31st, 2011, 02:13 PM

Quote:

Originally Posted by nips

id take his zx6r because i dont have a way to get to work now

he was telling me he has 700 bucks now since he went and got the new bike right after he knocked mine over and if the damage is more then that it will have to be done with insurance and i didnt know if thats enough damage for them to just say **** it and call it totalled i just noticed the front brake rotar is bent and the lip on the rim is cracked

If the rotor and rim are damaged he actually ran over the front end. Dollars to donuts the forks are bent and the frame may well be as well. Unless your friend is a cash fountain it's time to go with his insurance. Bike is probably totaled, BTW, not from a standpoint of repairability but from a cost perspective. General rule of thumb is when repair costs reach around 60% (varies by company) of the blue book value it's considered a total loss.

Edit to add: If you file a claim with your insurance company, even if they recover fully from his insurance company, your rates will go up. File with his company, against his liability policy.

DEXSPEED · May 31st, 2011, 02:13 PM

his insurance first

Liber · May 31st, 2011, 02:20 PM

I think you should take a deep breath and get him to file with his insurance company. From what Frugal said, I agree it sounds like it is totalled.

Was the bike new or used? if used, I know you said you were just about to hit 300 miles, but is that how many YOU had put on it or was that total mileage?

bdavison · May 31st, 2011, 02:25 PM

First off, you should have gotten a police report from the accident. Since you didnt oh well.

Second, contact his insurance company, and yours to find out what to do next.

HIS insurance should pay for the repairs or a new bike....NOT yours.

Liber · May 31st, 2011, 02:33 PM

Quote:

Originally Posted by bdavison

First off, you should have gotten a police report from the accident. Since you didnt oh well.

Second, contact his insurance company, and yours to find out what to do next.

HIS insurance should pay for the repairs or a new bike....NOT yours.

Good point, but I'm pretty sure he can still file a police report.

At UVA, my girlfriend's car got rammed by someone in the parking lot and she didn't notice for almost a week, since she pretty much walked everywhere on campus, and the police didn't give her any grief over it.

As long as your friend is there to file a statement with the police and you 2 are pretty much in agreement as to what happened, I doubt the police will give you any trouble.

nips · May 31st, 2011, 02:50 PM

It happened in front of his house. So we can show the police where it happened. And the front end didn't get run over. The entire bike was pushed on the right side so the rim and caliper were touching the asfault. It was pushed hard enough to leave deep scratches in the street. I will contact his insurance because he is at fault. And for libers question. I personaly was about to hit 300. The bike is an 08 with 4890 miles. And it was in perfect condition
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nips · May 31st, 2011, 03:04 PM

So there is no chance my rates will go up right?
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CynicalC · May 31st, 2011, 03:48 PM

Not if it goes through his insurance. Sounds like he just bought 2 new bikes.

kkim · May 31st, 2011, 03:49 PM

Quote:

Originally Posted by Liber

As long as your friend is there to file a statement with the police and you 2 are pretty much in agreement as to what happened, I doubt the police will give you any trouble.

lol... now that's when you find out who your true friends are.

Liber · May 31st, 2011, 03:58 PM

I think his friend owes it to him after taking off to buy a damn ZX-6R after screwing his bike up.. I would be livid.

nips · May 31st, 2011, 04:18 PM

Ya I'm lucky to have him do it. He takes full blame for it and everything. Ya it pissed me off. He had 5.9k in cash with him when he hit my bike. 5.4k went to the zx6r
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coondog · May 31st, 2011, 05:33 PM

Make sure it is totalled and if your insurance goes up he pays the increase monthly. You both make out with no animosity.

addy126 · May 31st, 2011, 06:00 PM

By the sounds of his "truck" driving capabilities, he'll be totalling out his brand new 6R in approx. 6 months..... I'll bet. Sorry you have been dealt this card from the "special needs" buddy. Maybe taking sledge hammer to the 6R would be a good emotional outlet.

nips · May 31st, 2011, 06:18 PM

Update: went to a sport bike repair shop and just a quick look over it is roughly 3k in damage. the forks are slightly tweeked. Now its if his insurance company will consider it a total loss or not
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Too40gawlf · May 31st, 2011, 06:20 PM

Quote:

Originally Posted by nips

Update: went to a sport bike repair shop and just a quick look over it is roughly 3k in damage. the forks are slightly tweeked. Now its if his insurance company will consider it a total loss or not
Posted via Mobile Device

Any and every insurance company will consider that a total loss. Call his company in the morning and file a claim. You dont need a PR for this. In fact, most bigger PDs have better things to do than generate a PR on a non injury motor vehicle accident.

nips · June 1st, 2011, 12:58 AM

Tomorrow the shop will be doing a deep inspection on everything to get an exact estimate of the cost. My buddy just said he heard that the insurance company wants 3 quotes on the repairs. He's with farmers. Is this true because that would be a pain since I do have to use my dads truck and load it up. Plus I can't turn the handle bars right
Posted via Mobile Device

CZroe · June 1st, 2011, 01:13 AM

I always park in ways and places to minimize or eliminate the chances of someone not seeing the bike, especially in public parking lots. Sorry this happened to you. It's likely to happen AGAIN if this friends keeps binging his lifted truck over unless you find a better place to put it and stick to it.

If you park close to a curb, corner, or wall you have the benefit of them at least trying to avoid that curb, corner, or wall.

Too40gawlf · June 1st, 2011, 08:00 AM

Quote:

Originally Posted by nips

Tomorrow the shop will be doing a deep inspection on everything to get an exact estimate of the cost. My buddy just said he heard that the insurance company wants 3 quotes on the repairs. He's with farmers. Is this true because that would be a pain since I do have to use my dads truck and load it up. Plus I can't turn the handle bars right
Posted via Mobile Device

Quit lugging your bike everywhere. You dont need to provide estimates yourself. Call the Farmers claim line and tell them you want to file a claim against one of their insureds. They will setup a time for an adjuster to come view the bike. He will look it over and likely total it right there. A couple of days later they will send you a check for what they believe the value of the bike is. Most likely, this check will be less than what you are expecting - somewhere in the neighborhood of $2500.

At this point, what you need to do is go on Craigslist, cycletrader, and ebay and find 3-5 comparable bikes in your area and what they sold for. These are called 'comps'. Find the average value of the comps and if they are greater than the check you received, put together a package with print outs of the comps, any receipts for work youve done to the bike or parts you've added, and a letter politely demanding more money and fax it to the adjuster. Chances are you will get an additional check for a couple hundred dollars more.

Take my word for it, I worked at Farmers for a couple of years after college.

CmichRider · June 1st, 2011, 08:10 AM

Even if you did claim through your insurance, depending on the company you are with, your premium may not go up at all. I just got done getting a policy on my bike with progressive and I made sure to ask "if I file a claim that my bike is stolen, will my premium go up?". The agent told me no, since it is effectively the same as a no-fault accident report.

I only asked the agent that because I'm going to be having my bike on campus with me come August...never know what will happen!

Too40gawlf · June 1st, 2011, 08:44 AM

Quote:

Originally Posted by CmichRider

Even if you did claim through your insurance, depending on the company you are with, your premium may not go up at all. I just got done getting a policy on my bike with progressive and I made sure to ask "if I file a claim that my bike is stolen, will my premium go up?". The agent told me no, since it is effectively the same as a no-fault accident report.

I only asked the agent that because I'm going to be having my bike on campus with me come August...never know what will happen!

Honestly, the agent doesnt know crap - your rates are determined by guys that are called underwriters. They are for lack of a better term, handicappers - sort of like the guys that set a pointspread for a sporting event. The agent only wants to sell you a product and will tell you anything pretty much to make you feel good. At the end of the day, the underwirters are going to review everything about you and your policy and make a decision on that. Even a no fault claim, is still a claim. While no one can say for 100% certain that a claim will make your rates go up, it certainly doesnt do any favors for you either.

In the OP's case, he should handle everything through his friend's insurance company. In this situation, there is almost no upside to getting his own insurance involved - especially since there is no question of liability - his friend is 100% at fault, no matter how you cut it.

almost40 · June 1st, 2011, 08:53 AM

Quote:

Originally Posted by kkim

lol... now that's when you find out who your true friends are.

I always thought that you knew who your true friends are when its moving day.

CmichRider · June 1st, 2011, 09:02 AM

Quote:

Originally Posted by Too40gawlf

Honestly, the agent doesnt know crap - your rates are determined by guys that are called underwriters. They are for lack of a better term, handicappers - sort of like the guys that set a pointspread for a sporting event. The agent only wants to sell you a product and will tell you anything pretty much to make you feel good. At the end of the day, the underwirters are going to review everything about you and your policy and make a decision on that. Even a no fault claim, is still a claim. While no one can say for 100% certain that a claim will make your rates go up, it certainly doesnt do any favors for you either.

In the OP's case, he should handle everything through his friend's insurance company. In this situation, there is almost no upside to getting his own insurance involved - especially since there is no question of liability - his friend is 100% at fault, no matter how you cut it.

True, I was just relaying what I was told. I definitely think he should handle it with his buddy's insurance though. No point in even bringing his own into it really..

Jinx250 · June 1st, 2011, 09:03 AM

Make his insurance pay. And find some new friends.

nips · June 1st, 2011, 11:09 AM

I'm calling his insurance company today. I don't want to get ****ed on this and have them give me 2500 bucks when I payed 3.2 for it. Even the guys at the shop were saying its worth around 3.5 to 4 just because the value shot up because so many ppl want them
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nips · June 1st, 2011, 11:18 AM

O and czroe. I parked outside his house next to the curb. When u walk out of his house the first thing u see is my bright breen bike. He parked the truck about 5 feet behind my bike. When we were leaving he said I should have parked in the garage so I told him ill go move it up there right now and he said no that's fine were gonna be right back and were gonna need to take it back out anyways. So we get in his truck and obviously we both knew it was there. I lean over and am trying to grab my jacket in the back seat and he was on his phone or somthing and put it in drive and all I heard was a crunch
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May 30th, 2011, 06:35 PM	#1
nips ninjette.org member Name: treavor Location: orange county ca Join Date: May 2011 Motorcycle(s): 08 250r Posts: 15	need help! my baby got ran over so yesterday my friend went to go buy his new zx6r and has a lifted truck and forgot where my 08 250r was and hit it and made it slide on the street a good 6 inches of course its memorial day weekend so no shop is open i want to get an idea how much my buddy has to pay to fix my bike or if it would be considered totaled the right handle bar is bent down touching the fairings the upper fairing is scratched and cracked. the left side fairing is broken in 2. the right side fairing is scratched and cracked. the front caliper is deeply scratched. the mirror and front brake lever has bad road rash. the rear brake lever is bent bad enough i couldnt bend it back and my two bros exhaust is scrapped and bend (i think it might just be the mount/ rear foot peg. im still in shock i havent even had it for a month and was jsut about to hit 300 miles is this worth repairing or would it be considered totalled i paid 3200 for this bike april 1st

May 31st, 2011, 02:13 PM	#17
DEXSPEED 2012 is here,let's ride!! Name: dex Location: visalia,ca. Join Date: Sep 2009 Motorcycle(s): 2009R,'12 suzuki +500 Posts: 354	his insurance first __________________________________________________ ''I regulate every shade of that!''

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May 30th, 2011, 06:40 PM	#2
"A" vampire Name: A Location: IT Join Date: Feb 2011 Motorcycle(s): 2 many 2 list Posts: A lot.	That blows.. get your buddy who ran into your bike to take it to a shop and have him pay for everything that it needs to get it back to its original condition prior to the incident. That seems fair to me.

May 30th, 2011, 06:51 PM	#3
nips ninjette.org member Name: treavor Location: orange county ca Join Date: May 2011 Motorcycle(s): 08 250r Posts: 15	o believe me thats what he will be doing i just wanted to know if its enough damage to be considered totaled o the front brake doesnt really work now after the hit i told him if it isnt in the process of being fixed or fixed this week then i will take his new 05 zx6r till its done

May 31st, 2011, 12:16 PM	#7
nips ninjette.org member Name: treavor Location: orange county ca Join Date: May 2011 Motorcycle(s): 08 250r Posts: 15	id take his zx6r because i dont have a way to get to work now he was telling me he has 700 bucks now since he went and got the new bike right after he knocked mine over and if the damage is more then that it will have to be done with insurance and i didnt know if thats enough damage for them to just say **** it and call it totalled i just noticed the front brake rotar is bent and the lip on the rim is cracked

May 31st, 2011, 12:29 PM	#8
Too40gawlf ninjette.org guru Name: Eric Location: NoVa Join Date: Sep 2010 Motorcycle(s): 2009 Kawasaki Super Sherpa! Posts: 388	Yeah, this is going to be a tough one. Per book value (what the insurance is going to pay for your bike) your bike is probably worth about $2500-3000. Now, I dont have a great idea about parts and prices for Ninja 250s, but if all the things you list need replacing, comibned with the labor at the shop, there is a good chance you can rach the total threshold for the bike (which is probably somewere at about 2/3 the value of the bike). So if you get an estimate from a shop at or above $2000, the insurance is going to total the bike. If the estimate is in fact that high. Theres a way you can approach this which may in fact turn out to be a net benefit for you. You can file the claim against his insurance and take the pay out, buy back your totaled bike at a fraction of its book value, buy an older pre-gen for transportation, and over time fix your wrecked new gen by doing the work yourself. I think the first thing you need to do is get an estimate from a shop or two to see what the damages are.

May 31st, 2011, 12:38 PM	#9
Liber ninjette.org sage Name: Chris Location: Arkansas Join Date: May 2011 Motorcycle(s): EX250J Posts: 511	Wait...he wants you to use your insurance to cover the damage HE did? If not, I don't see what the big deal is. You don't HAVE to put your bike in the shop. My cousin's R1 had most of the front end stolen and he told his insurance he would do the labor(he isn't a mechanic), and his insurance told him to buy the parts and give them the receipts. Your friend's insurance should be able to do the same. Talk to them and work something out. EDIT: whoops, didn't see the part about this being your to-work transport. Still, if his insurance totals it and you get back anything less than $3000 he should make up the difference. If I were him I would have put off buying my ZX-6R another 2 weeks and helped you recoupe your loss.

May 31st, 2011, 12:56 PM	#10
nips ninjette.org member Name: treavor Location: orange county ca Join Date: May 2011 Motorcycle(s): 08 250r Posts: 15	ya exactly it kinda pissed me off he leaves me without a bike and 2 hours later spends 5400 on a bike for him when he has a work truck and this is his weekend bike im taking it to a shop today for an estimate i just wanted to know what the options will be i didnt know if i should plan on seeing my bike soon or if i should start shopping for a new bike

May 31st, 2011, 01:00 PM	#11
Bosgarage57 ninjette.org sage Name: Luke Location: Sevierville, TN Join Date: May 2011 Motorcycle(s): 06 Buell Uly, 05 VStar 1100 Posts: 577	Friend or no friend he would be paying for it, either him outa pocket or his insurance. It was his fault. Ask him how he would feel if you ran over his brand new zx6r.

May 31st, 2011, 01:15 PM	#12
nips ninjette.org member Name: treavor Location: orange county ca Join Date: May 2011 Motorcycle(s): 08 250r Posts: 15	he feels like **** for it we both know im not putting a cent into the repairs were just trying to find out if the damage is enough for outa pocket or if insurance has to get invovled and he actually has 500 left thats not enough for the repairs is it?

May 31st, 2011, 01:21 PM	#13
Liber ninjette.org sage Name: Chris Location: Arkansas Join Date: May 2011 Motorcycle(s): EX250J Posts: 511	how much is his deductible?

May 31st, 2011, 01:24 PM	#14
HKr1 IC2(SW) Name: Kerry Location: Pensacola Join Date: Nov 2008 Motorcycle(s): . Posts: A lot.	500 isnt gonna do it... get with his insurance.

May 31st, 2011, 01:49 PM	#15
nips ninjette.org member Name: treavor Location: orange county ca Join Date: May 2011 Motorcycle(s): 08 250r Posts: 15	its 500 do u guys think i should start shopping for a new bike? cuz everything thats got road rash on will be replaced the caliper even has road rash

May 31st, 2011, 02:20 PM	#18
Liber ninjette.org sage Name: Chris Location: Arkansas Join Date: May 2011 Motorcycle(s): EX250J Posts: 511	I think you should take a deep breath and get him to file with his insurance company. From what Frugal said, I agree it sounds like it is totalled. Was the bike new or used? if used, I know you said you were just about to hit 300 miles, but is that how many YOU had put on it or was that total mileage?

May 31st, 2011, 02:25 PM	#19
bdavison Wartown, USA Name: Bryan Location: Warner Robins, GA Join Date: Nov 2009 Motorcycle(s): 2009 Ninja 250R SE, 2007 Ninja 650R, and assorted other bikes Posts: A lot.	First off, you should have gotten a police report from the accident. Since you didnt oh well. Second, contact his insurance company, and yours to find out what to do next. HIS insurance should pay for the repairs or a new bike....NOT yours.

May 31st, 2011, 02:50 PM	#21
nips ninjette.org member Name: treavor Location: orange county ca Join Date: May 2011 Motorcycle(s): 08 250r Posts: 15	It happened in front of his house. So we can show the police where it happened. And the front end didn't get run over. The entire bike was pushed on the right side so the rim and caliper were touching the asfault. It was pushed hard enough to leave deep scratches in the street. I will contact his insurance because he is at fault. And for libers question. I personaly was about to hit 300. The bike is an 08 with 4890 miles. And it was in perfect condition Posted via Mobile Device

May 31st, 2011, 03:04 PM	#22
nips ninjette.org member Name: treavor Location: orange county ca Join Date: May 2011 Motorcycle(s): 08 250r Posts: 15	So there is no chance my rates will go up right? Posted via Mobile Device

May 31st, 2011, 03:48 PM	#23
CynicalC ninjette.org certified postwhore Name: Colin Location: Bay Area Join Date: Feb 2011 Motorcycle(s): '96 EX250 Posts: A lot.	Not if it goes through his insurance. Sounds like he just bought 2 new bikes.

May 31st, 2011, 03:58 PM	#25
Liber ninjette.org sage Name: Chris Location: Arkansas Join Date: May 2011 Motorcycle(s): EX250J Posts: 511	I think his friend owes it to him after taking off to buy a damn ZX-6R after screwing his bike up.. I would be livid.

May 31st, 2011, 04:18 PM	#26
nips ninjette.org member Name: treavor Location: orange county ca Join Date: May 2011 Motorcycle(s): 08 250r Posts: 15	Ya I'm lucky to have him do it. He takes full blame for it and everything. Ya it pissed me off. He had 5.9k in cash with him when he hit my bike. 5.4k went to the zx6r Posted via Mobile Device

May 31st, 2011, 05:33 PM	#27
coondog ninjette.org sage Name: john Location: Palm Beach County, Fl Sligo County, Eire Join Date: Dec 2010 Motorcycle(s): 2005 ninja 250 street fighter, 2008 street fighter ninja 500, 2001 nsr 125 Posts: 812	Make sure it is totalled and if your insurance goes up he pays the increase monthly. You both make out with no animosity.

May 31st, 2011, 06:00 PM	#28
addy126 ninjette.org certified postwhore Name: addy126 Location: Tx Join Date: May 2009 Motorcycle(s): '09 Kawasaki N-250 + '09 Vulcan 900 Classic Lt Posts: A lot.	By the sounds of his "truck" driving capabilities, he'll be totalling out his brand new 6R in approx. 6 months..... I'll bet. Sorry you have been dealt this card from the "special needs" buddy. Maybe taking sledge hammer to the 6R would be a good emotional outlet.

May 31st, 2011, 06:18 PM	#29
nips ninjette.org member Name: treavor Location: orange county ca Join Date: May 2011 Motorcycle(s): 08 250r Posts: 15	Update: went to a sport bike repair shop and just a quick look over it is roughly 3k in damage. the forks are slightly tweeked. Now its if his insurance company will consider it a total loss or not Posted via Mobile Device

June 1st, 2011, 12:58 AM	#31
nips ninjette.org member Name: treavor Location: orange county ca Join Date: May 2011 Motorcycle(s): 08 250r Posts: 15	Tomorrow the shop will be doing a deep inspection on everything to get an exact estimate of the cost. My buddy just said he heard that the insurance company wants 3 quotes on the repairs. He's with farmers. Is this true because that would be a pain since I do have to use my dads truck and load it up. Plus I can't turn the handle bars right Posted via Mobile Device

June 1st, 2011, 01:13 AM	#32
CZroe CPT Falcon Name: J.Emmett Turner Location: Newnan, GA Join Date: Apr 2009 Motorcycle(s): '08 CP Blue EX250J, '97 unpainted EX250F, 2nd '97 unpainted EX250F (no engine), '07 black EX250F Posts: A lot.	I always park in ways and places to minimize or eliminate the chances of someone not seeing the bike, especially in public parking lots. Sorry this happened to you. It's likely to happen AGAIN if this friends keeps binging his lifted truck over unless you find a better place to put it and stick to it. If you park close to a curb, corner, or wall you have the benefit of them at least trying to avoid that curb, corner, or wall.

June 1st, 2011, 08:10 AM	#34
CmichRider ninjette.org member Name: Jacob Location: Michigan Join Date: Mar 2011 Motorcycle(s): 2000 Ninja 250 Posts: 227	Even if you did claim through your insurance, depending on the company you are with, your premium may not go up at all. I just got done getting a policy on my bike with progressive and I made sure to ask "if I file a claim that my bike is stolen, will my premium go up?". The agent told me no, since it is effectively the same as a no-fault accident report. I only asked the agent that because I'm going to be having my bike on campus with me come August...never know what will happen!

June 1st, 2011, 09:03 AM	#38
Jinx250 Smoker Name: Bob Location: SoCal Join Date: Dec 2010 Motorcycle(s): Guess.... Posts: 556	Make his insurance pay. And find some new friends.

June 1st, 2011, 11:09 AM	#39
nips ninjette.org member Name: treavor Location: orange county ca Join Date: May 2011 Motorcycle(s): 08 250r Posts: 15	I'm calling his insurance company today. I don't want to get ***ed on this and have them give me 2500 bucks when I payed 3.2 for it. Even the guys at the shop were saying its worth around 3.5 to 4 just because the value shot up because so many ppl want them Posted via Mobile Device*

June 1st, 2011, 11:18 AM	#40
nips ninjette.org member Name: treavor Location: orange county ca Join Date: May 2011 Motorcycle(s): 08 250r Posts: 15	O and czroe. I parked outside his house next to the curb. When u walk out of his house the first thing u see is my bright breen bike. He parked the truck about 5 feet behind my bike. When we were leaving he said I should have parked in the garage so I told him ill go move it up there right now and he said no that's fine were gonna be right back and were gonna need to take it back out anyways. So we get in his truck and obviously we both knew it was there. I lean over and am trying to grab my jacket in the back seat and he was on his phone or somthing and put it in drive and all I heard was a crunch Posted via Mobile Device