Totalled. Anyone with experience?

arnoldc6 · May 6th, 2014, 07:00 PM

So long story short my bike got totalled and i am gonna send off my title to progressive this friday.
I wasn't at fault but apparently they are gonna hold onto my deductible since i didn't file my police report (don't do this!) and they couldn't get in touch with the other driver (who was at fault, he backed up into me at a red light)
Anyone has been though this? Anything to watch out for or just go with it as is?
Should i still file a police report about...hmm..the other driver going mia?

Motofool · May 6th, 2014, 07:32 PM

Sorry that this happened to you, Arnold !!!

If it happened today, you may try doing a police report in your local station.

Let's call @Alex and @Jiggles

Alex · May 6th, 2014, 08:50 PM

In California you need to send in an accident form to the DMV anytime there is more than $500 in damage. Not sure what the laws are in Hawaii.

Finesse · May 7th, 2014, 07:59 AM

My bike was just totaled too.. sorry to hear about yours.

I requested to meet with an agent directly instead of sending my title in. That sketches me out. I wanted to get my check handed to me in person.

Are you happy with the check they're giving you? Because you have some leeway... For example I told Allstate that I had installed new chain and sprockets and it raised the value of my bike by $37, it's not much but little things like that can help you get a better check from the insurance company. Aftermarket exhaust, etc.

Otherwise there's not much you can do, but if it wasn't your fault you really shouldn't have to pay the deductible. I never heard of not filing a police report as reason for having to pay a deductible but I guess it depends on your particular state laws.

crazymadbastard · May 7th, 2014, 11:32 AM

they are paying under your collision coverage it seems so deductible applies. In CT it is mandatory you file a report with dmv if damage is over $500. Now, what proof do you have they backed into you? they could say you crashed into them... Any witnesses?

jeffb502 · May 7th, 2014, 01:04 PM

Just to clarify, the property damage threshold for reporting to CA DMV is $750, not $500.

And to go even more off topic, the threshold to go from petty theft to grand theft was recently raised in CA from $400 to $950 for most common forms of theft.

Snipped from DMV Form SR-1 (which is the form CA DMV requires one to fill out in case of a reportable incident) at http://apps.dmv.ca.gov/forms/sr/sr1.pdf, top of page 3.

DMV SR-1 Instructions.jpg

What do you mean the insurance company couldn't contact the other driver? You took down the info from the other driver's license, registration, and insurance, the license wasn't counterfeit, and matched the address on the vehicle registration, right? Sounds like the insurance company needs to work a bit harder.

arnoldc6 · May 8th, 2014, 05:47 AM

Quote:

Originally Posted by jeffb502

What do you mean the insurance company couldn't contact the other driver? You took down the info from the other driver's license, registration, and insurance, the license wasn't counterfeit, and matched the address on the vehicle registration, right? Sounds like the insurance company needs to work a bit harder.

Thanks for everyone's input, but this is the part the bothers me too.
How is this even possible? Obviously i am not gonna hire a lawyer for $500 but this is a horrible reason.
As for the witness side, there aren't any but since it's a intersection, there are bound to have traffic cameras around there.
Hmm..at least $3400 isn't too bad, and i am glad i am not hurt at all.
Now the question is what bike should i get next!

crazymadbastard · May 8th, 2014, 06:30 AM

Quote:

Originally Posted by arnoldc6

Now the question is what bike should i get next!

a 300 ninjette!
but I think you earned an R6.

Klondike1020 · May 9th, 2014, 08:06 AM

If you ever get into an accident ever again NO MATTER HOW SMALL OR HOW NICE OTHER PEOPLE involved seem to be

YOU WILL WAIT FOR POLICE

YOU WILL GET POLICE REPORT

YOU WILL TRACK DOWN WITNESSES

YOU WILL HAVE POLICE ASSIST YOU IN OBTAINING VIDEO FOOTAGE

YOU WILLL NEVER EVER EVER PUT STUFF OFF OR THINK THAT IT WILL WORK OUT ever AGAIN!

People will act all friendly and say… its my fault sorry… then call the police and say you hit and run on them. People will not look out for you … you have to look out for you!

If you are buying a 3400 dollar bike?

what kind of bike are you looking to get?

crazymadbastard · May 9th, 2014, 01:12 PM

used 300s are $4000 around here...

N-m · May 9th, 2014, 01:16 PM

If it involves property owned by someone other than you always get a report. ALWAYS.

I almost did not get paid for that $1,000.00 in damages. It would have sickened me just as much had it only been $250.00.

ez12a · May 9th, 2014, 04:44 PM

i've been eyeing a lot of sv650s lately.

arnoldc6 · May 9th, 2014, 05:03 PM

Hmm everyone in my state is pretty pricey.
But i am on the look out for a used naked/600.
But i will need to get my check first.
Uguh money.

May 6th, 2014, 07:00 PM	#1
arnoldc6 ninjette.org member Name: Arnold Location: Honolulu Join Date: Jun 2012 Motorcycle(s): 09 ninja 250r Posts: 191	Totalled. Anyone with experience? So long story short my bike got totalled and i am gonna send off my title to progressive this friday. I wasn't at fault but apparently they are gonna hold onto my deductible since i didn't file my police report (don't do this!) and they couldn't get in touch with the other driver (who was at fault, he backed up into me at a red light) Anyone has been though this? Anything to watch out for or just go with it as is? Should i still file a police report about...hmm..the other driver going mia? __________________________________________________ "trust me, I am not a lawyer."

May 6th, 2014, 07:32 PM	#2
Motofool Daily Ninjette rider Name: Hernan Location: Florida Join Date: Mar 2011 Motorcycle(s): 2007 Ninja 250 Posts: A lot. MOTY - 2016, MOTM - Dec '12, Jan '14, Jan '15, May '16	Sorry that this happened to you, Arnold !!! If it happened today, you may try doing a police report in your local station. Let's call @Alex and @Jiggles __________________________________________________ *Motofool* *.................................Never ride faster than your guardian angel can fly* "Mankind is composed of two sorts of men — those who love and create, and those who hate and destroy. Love is the bond between men, the way to teach and the center of the world." - José Martí

May 6th, 2014, 08:50 PM	#3
Alex ninjette.org dude Name: 1 guess :-) Location: SF Bay Area Join Date: Jun 2008 Motorcycle(s): '13 Ninja 300 (white, the fastest color!), '13 R1200RT, '14 CRF250L, '12 TT-R125LE Posts: Too much. Blog Entries: 7	In California you need to send in an accident form to the DMV anytime there is more than $500 in damage. Not sure what the laws are in Hawaii. __________________________________________________ Montgomery Street Motorcycle Club / cal24.com / crf250l.org / ninjette.org ninjette.org Terms of Service Shopping for motorcycle parts or equipment? Come here first. The friendliest Ninja 250R/300/400 forum on the internet! (especially Unregistered)

May 7th, 2014, 11:32 AM	#5
crazymadbastard I'm crazy,your excuse is? Name: Winston Location: Connecticut Join Date: May 2013 Motorcycle(s): 250 2007 ninja Posts: A lot.	they are paying under your collision coverage it seems so deductible applies. In CT it is mandatory you file a report with dmv if damage is over $500. Now, what proof do you have they backed into you? they could say you crashed into them... Any witnesses? __________________________________________________ My Cafe Racer Build My intro post

May 9th, 2014, 08:06 AM	#9
Klondike1020 Intrepid Adventurer Name: Josh Location: Rochester/Buffalo NY Join Date: Jan 2012 Motorcycle(s): 2004 GSXR 750 , 71 cb350streettracker, 07 Polaris Predator 500 Posts: A lot.	If you ever get into an accident ever again NO MATTER HOW SMALL OR HOW NICE OTHER PEOPLE involved seem to be YOU WILL WAIT FOR POLICE YOU WILL GET POLICE REPORT YOU WILL TRACK DOWN WITNESSES YOU WILL HAVE POLICE ASSIST YOU IN OBTAINING VIDEO FOOTAGE YOU WILLL NEVER EVER EVER PUT STUFF OFF OR THINK THAT IT WILL WORK OUT ever AGAIN! People will act all friendly and say… its my fault sorry… then call the police and say you hit and run on them. People will not look out for you … you have to look out for you! If you are buying a 3400 dollar bike? what kind of bike are you looking to get? __________________________________________________ LIFE IS NOT FOR REGRETS OR EXCUSES. Breath deep, seek peace. Embrace the Madness. Life is good, let it be
	1 out of 1 members found this post helpful.

May 7th, 2014, 07:59 AM	#4
Finesse ran when parked Name: Katie Location: DC/MD Join Date: Aug 2013 Motorcycle(s): Freeride 250R, KLX250SF, mopeds Posts: A lot. MOTM - Sep '17, Dec '14	My bike was just totaled too.. sorry to hear about yours. I requested to meet with an agent directly instead of sending my title in. That sketches me out. I wanted to get my check handed to me in person. Are you happy with the check they're giving you? Because you have some leeway... For example I told Allstate that I had installed new chain and sprockets and it raised the value of my bike by $37, it's not much but little things like that can help you get a better check from the insurance company. Aftermarket exhaust, etc. Otherwise there's not much you can do, but if it wasn't your fault you really shouldn't have to pay the deductible. I never heard of not filing a police report as reason for having to pay a deductible but I guess it depends on your particular state laws.

May 7th, 2014, 01:04 PM	#6
jeffb502 ninjette.org guru Name: Jeff Location: Santa Maria, CA Join Date: Oct 2013 Motorcycle(s): 2013 White Ninja 300, 2010 Red Ninja 250r (Sold) Posts: 335	Just to clarify, the property damage threshold for reporting to CA DMV is $750, not $500. And to go even more off topic, the threshold to go from petty theft to grand theft was recently raised in CA from $400 to $950 for most common forms of theft. Snipped from DMV Form SR-1 (which is the form CA DMV requires one to fill out in case of a reportable incident) at http://apps.dmv.ca.gov/forms/sr/sr1.pdf, top of page 3. DMV SR-1 Instructions.jpg What do you mean the insurance company couldn't contact the other driver? You took down the info from the other driver's license, registration, and insurance, the license wasn't counterfeit, and matched the address on the vehicle registration, right? Sounds like the insurance company needs to work a bit harder.

May 9th, 2014, 01:12 PM	#10
crazymadbastard I'm crazy,your excuse is? Name: Winston Location: Connecticut Join Date: May 2013 Motorcycle(s): 250 2007 ninja Posts: A lot.	used 300s are $4000 around here... __________________________________________________ My Cafe Racer Build My intro post

May 9th, 2014, 01:16 PM	#11
N-m Captain 2 Sexy Name: Newton Location: South TN Join Date: Apr 2014 Motorcycle(s): Kwaka EX250 Posts: 241	If it involves property owned by someone other than you always get a report. ALWAYS. I almost did not get paid for that $1,000.00 in damages. It would have sickened me just as much had it only been $250.00.

May 9th, 2014, 04:44 PM	#12
ez12a ninjette.org member Name: Ryan Location: OC, CA Join Date: Jan 2014 Motorcycle(s): 2009 Ninja 250R (Sold), 2007 SV650S Posts: 161	i've been eyeing a lot of sv650s lately.

May 9th, 2014, 05:03 PM	#13
arnoldc6 ninjette.org member Name: Arnold Location: Honolulu Join Date: Jun 2012 Motorcycle(s): 09 ninja 250r Posts: 191	Hmm everyone in my state is pretty pricey. But i am on the look out for a used naked/600. But i will need to get my check first. Uguh money. __________________________________________________ "trust me, I am not a lawyer."

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