October 28th, 2009, 09:55 PM | #1 |
ninjette.org member
Name: Matt
Location: Southern Cali
Join Date: Feb 2009 Motorcycle(s): None yet Posts: 49
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Sigh. Hit and run, twice!
Experienced my first accidents with my bike today. I was in the shopping area around UCLA today, having lunch with my gf, with a little shopping, when 2 hours later, when I returned to my bike, I'm informed by the employee of the office I parked in front of that my bike was knocked over twice.
Apparently two different cars tried to back into a space in front of me, a larger SUV of some sort, and a black mercedes. Both of them fully knocked it over, where my front fairing hit the curb, receiving severe scuffs and a crack on the right side, as I parked perpendicular to the curb facing it. All the normal stuff that gets scratched is scratched and chipped, but my shogun frame protectors worked beautifully and there's absolutely nothing on the side fairing itself Worst part of all of this is though, apparently the first guy left a note, with his name and number, and the second guy thought since the first guy left a note, he could get away clean maybe -_-. Yet, the number on the note is a cell phone registered to a different name.. all the way in Kansas. Wonderful! I've no idea what to do now since the guy who told me about the accidents didn't take down any plate numbers.. but I do have full coverage.. Would insurance cover this? I'm going to report this to the police tomorrow.. Are there any details I should be aware of? |
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October 29th, 2009, 12:03 AM | #2 |
ninjette.org certified postwhore
Name: Wayan
Location: Bali - Indonesia
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no surveillance cameras? he he...
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Kawasaki Z250, Bored up to 300cc with 12.8 CR, 41hp at wheel 27nm torque, Two bros full exhaust with DB killer Dynojet Power Commander V, KnN Open filter, intake and exhaust ported, Puig Windshield |
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October 29th, 2009, 12:15 AM | #3 | |
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.
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That said, I always park as far back in the parking space as possible and I try to chose ones that are at the end of the rows or beside a cart corral or something so that drivers from at least one side can see me before they get to the space. I know someone who had his '07 CP Blue Ninjette run over in a parking space, so I'm letting his experience teach me a lesson and will not be risking my '08 CP Blue the same way. |
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October 29th, 2009, 05:20 AM | #4 |
ninjette.org member
Name: Matt
Location: Southern Cali
Join Date: Feb 2009 Motorcycle(s): None yet Posts: 49
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Hmm. Thats assuming I can find either person that hit me right now..
I was actually parked next to an open space of about 4-5 feet, a red zone with a post designed for locking a couple bicycles to. So if I was facing the curb, the car's spot to my left, and 5 feet of open space to my right. And there actually was NO honest guy in this situation. The number on the note left by that person is for a cell phone in kansas, registered to a completely different person. Do many of you have experiences where your bike is knocked over and people leave as if it doesn't matter? With a car, this is almost unheard of. With my bike today, it happened twice within a span of 2 hours. |
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October 29th, 2009, 05:27 AM | #5 |
ninjette.org member
Name: Josh
Location: Atlanta, GA
Join Date: Oct 2009 Motorcycle(s): '09 250R Black Posts: 45
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Did the 1st guy stand it up (for the 2nd to hit)? If so, go CSI on his ass and dust for prints/ DNA!
Sorry this happened to ya. My feeling is that many cagers are intimidated by bikers, and the easiest way to avoid a confrontation is to get the **** out of dodge. I've seen a couple youtube videos where car drivers leave the scene of accidents. |
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October 29th, 2009, 05:49 AM | #6 | |
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.
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Anyway, the wheel couldn't turn with all the mangled body pieces around it so a mechanic friend had to chop and hammer it out so I could still be driven. It looked like a big crushed mess, but it was drivable. There was still a huge concave area all around the tire and the tire would still scrape bits if you turned it too sharply. So, she was driving it around town a few weeks later and pulled into a parking lot. As she was traveling from one end to another, someone didn't see her and pulled out of one of the aisles, running their bumper right into the gigantic gaping hole left behind from the previous offender. Obviously, having not seen her prior to the impact, they jumped to conclusions and thought they were responsible for that massive amount of damage from such a low-speed collision! You should have seen the look of relief on their faces when we told them not to worry about it. |
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October 29th, 2009, 06:16 AM | #7 |
ninjette.org member
Name: m
Location: metro area
Join Date: Mar 2009 Motorcycle(s): 2009 black Ninja 250R Posts: 177
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That really sucks but unless the damage is significant and will cost more than the bike to fix, I wouldn't claim it on insurance. First, your premium will go up just for claiming on it. Second, depending on the company and what their practices are, they could decide to drop you if they think you'll be claiming on insurance a lot.
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October 29th, 2009, 07:24 AM | #8 | |
ninjette.org member
Name: Steve
Location: Providence, RI
Join Date: Feb 2009 Motorcycle(s): '95 BMW K75 Posts: 188
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My experience (both in SoCal and here in New England) is that leaving a note when hitting another car while parking is definitely the exception rather than the rule. Get a quote first, but if it's just turn signal and mirror that are broken that'll cost you $100ish and take about 20 minutes to fix yourself. If the price is more significant, I'd call your insurance, give them the name and number provided to you, and let them track the guy down. They'll probably pay you (minus your deductible) immediately and then reimburse the deductible if they can track the guy down. Yeah, it sucks to stick it all on the first guy, but the reality is that the bulk of the cost comes from the first guy's damage as the second guy probably just scuffed up broken parts... and it really shouldn't be on you because you didn't do anything to cause it. |
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October 29th, 2009, 07:28 AM | #9 |
ninjette.org member
Name: Marsha
Location: tampa
Join Date: Oct 2009 Motorcycle(s): 2009 Ninja 250 Posts: 76
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Sorry to hear this happened to you, not to mention 2 times in one afternoon, unbelievable!
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October 29th, 2009, 07:33 AM | #10 | |
ninjette.org sage
Name: Scott
Location: DFW TX
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja zx6r Posts: 609
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October 29th, 2009, 07:37 AM | #11 |
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Name: rock
Location: greenville, south carolina
Join Date: Jun 2009 Motorcycle(s): black Posts: A lot.
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Bastages!
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October 29th, 2009, 08:28 AM | #12 | ||
knees in the breeze
Name: Tony
Location: Calera, AL
Join Date: Oct 2009 Motorcycle(s): 2007 Kawasaki Ninja 250r Posts: 17
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October 29th, 2009, 08:44 AM | #13 |
ninjette.org member
Name: Steve
Location: Providence, RI
Join Date: Feb 2009 Motorcycle(s): '95 BMW K75 Posts: 188
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Get a repair quote and call your insurance first. They likely don't need a police report, and I wouldn't inconvenience yourself and the police if it's not necessary - the police can't and won't do anything about it.
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October 29th, 2009, 09:06 AM | #14 | |
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.
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October 29th, 2009, 09:07 AM | #15 |
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.
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October 29th, 2009, 09:15 AM | #16 |
ninjette.org certified postwhore
Name: Rick
Location: Alexandria, Louisiana
Join Date: Jan 2009 Motorcycle(s): 05 Blue Ninja 250 Posts: Too much.
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Sorry about your bike being hit. That is one of my biggest fears when I park my bike.
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October 29th, 2009, 09:21 AM | #17 | |
knees in the breeze
Name: Tony
Location: Calera, AL
Join Date: Oct 2009 Motorcycle(s): 2007 Kawasaki Ninja 250r Posts: 17
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October 29th, 2009, 09:30 AM | #18 | |
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.
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October 29th, 2009, 09:45 AM | #19 | |
knees in the breeze
Name: Tony
Location: Calera, AL
Join Date: Oct 2009 Motorcycle(s): 2007 Kawasaki Ninja 250r Posts: 17
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October 29th, 2009, 11:13 AM | #20 |
ninjette.org member
Name: Jacob
Location: Matthews, NC
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja 250R Posts: 28
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Now that I'm coming up on my 4th year as an insurance agent I can tell you there are plenty of crooked insurance companies out there. A police report can only help but it's no guarantee they will cover the bike. Through my experiences the two worst companies I've delt with are Allstate and Nationwide. Now normally if you are the insured with these companies and get in an accident they will usually pay, but if some one else hits you or is at fault and has one of those two companies the adjuster will try any way possible to find you even slightly at fault and turn down your claim. Example: My 18 year old sister was on her way to school in her Mercedes ML320 SUV when a old guy in a POS pickup with a hand built steel trailer pulled right out in front of her. She ran into the side of his trailer and her airbags went off totaling her Mercedes. State Trooper showed up and gave the old guy a ticket for failure to yield and showed him at fault on the accident report. He had Nationwide so we filed a claim with them and waited for the adjuster. The adjuster gave us a call a few days later and wanted to see the scene of the accident. We took her out there and when she couldn't find any tire marks from where my sister should have slammed on brakes she stated it was enough evidence to show her partially at fault and thus turned the claim down...Here's the kicker! My sis was in a 2002 Mercedes with functioning ABS! There should never have been any tire marks when she slammed on the brakes! The adjuster was full of ****! We ended up having to have our insurance pay for the Mercedes but neglected to get GAP coverage which will make sure if the vehicle is a total loss and you owe more than it's worth they will pay the full amount still owed. Now were out over 4 grand and it doesn't look like our company is going to subrogate. Long story short keep a camera in your car at all times and MAKE SURE TO CHECK YOUR POLICY AND CONFIRM YOU HAVE THE COVERAGES YOU NEED!
Last futzed with by Immortalhippo; October 29th, 2009 at 11:15 AM. Reason: misspell |
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October 29th, 2009, 11:19 AM | #21 | |
ninjette.org member
Name: Jacob
Location: Matthews, NC
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja 250R Posts: 28
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October 29th, 2009, 11:29 AM | #22 |
knees in the breeze
Name: Tony
Location: Calera, AL
Join Date: Oct 2009 Motorcycle(s): 2007 Kawasaki Ninja 250r Posts: 17
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Wow. That sucks. But I'd be more upset with your insurance than the other drivers. Sure it was wrong of them to deny your claim. But they do it because they think they can get away with it. Their job is to look out for their best interest. It was your insurance companies job to look out for yours and by not subrogating, they basically left you out to dry. I would have switched carriers at that point and sued the other ladies insurance company for the difference.
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October 29th, 2009, 12:02 PM | #23 | |
ninjette.org member
Name: Jacob
Location: Matthews, NC
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja 250R Posts: 28
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I agree with everything you said except suing them. Got any idea how much money these big insurance companies have to throw at top lawyers to take there cases. It would be a big waste of time and money. That's coming from my Brother in law who owns his own law office. |
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October 29th, 2009, 03:49 PM | #24 | |
ninjette.org member
Name: Matt
Location: Southern Cali
Join Date: Feb 2009 Motorcycle(s): None yet Posts: 49
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The damage includes a cracked front fairing, but I think all in all, its cosmetic damage all around. New developments: Had another look at the note he wrote me, it was written on a google maps directions search with 2 addresses on it, dated to october 26th, 3 days ago. Also, there was a UCLA guard in front of the UCLA Extension center right in front of where I parked. Like, my bike was parked across the sidewalk where the guard should have been standing the whole time. I have the information of the employee who told me what happened, I think I will get in touch with him to get the guard's number and ask him for as much vehicle description as possible. Maybe even a plate or partial plate number! |
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October 29th, 2009, 11:31 PM | #25 |
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.
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I'm guessing that the second guy saw the first guy's note when he was standing it up and thought he'd let the first guy take the fall entirely.
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October 30th, 2009, 12:45 AM | #26 |
ninjette.org certified postwhore
Name: Paul
Location: Roanoke, VA
Join Date: Jun 2009 Motorcycle(s): 2008 Candy Plasma Blue 250R Posts: A lot.
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Yeowch Matt, that hurts a lot. Sounds like a much worse version of the drunkard that knocked over my bike one night into the curb/grass and stood it back up, mud & all, but no note. Good luck finding them though!
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October 30th, 2009, 10:43 AM | #27 |
Join Date: Nov 2008 Posts: Too much.
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Have a talk with your insurance. It should be covered under your comprehensive portion. Your rates should not go up due to a comprehensive claim. You might need to pay the deductible (how much is it?), but if the total damage is more than your deductible, I'd claim it.
Also, your insurance company will also pay your deductible if they can find the other driver(s) and go after their insurance for the damage to the bike. Like it was mentioned earlier, use the the insurance you pay for and make sure they earn the premiums you pay for situations exactly like this. You'll save yourself a lot of headaches in the long run. |
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October 30th, 2009, 05:21 PM | #28 |
ninjette.org certified postwhore
Name: Lil One
Location: NB Canada
Join Date: Mar 2009 Motorcycle(s): '09 Ninja 250 Black Posts: A lot.
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wow talk about bad luck. i would never park there again. i would be scared to claim anything to the insurance even if i am covered for the fear that they would raise my premiums.
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October 31st, 2009, 08:53 AM | #29 |
ninjette.org sage
Name: Wayne
Location: Brookfield, MA
Join Date: Nov 2008 Motorcycle(s): 2011 Honda CBR250R Posts: 585
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This happens too often and it's too easy to get away with. I just read in the morning paper about a car being sideswiped by a hit and run SUV on the Mass Turnpike. If they don't even stop for accidents that happen on the road they're sure not going to give a damn about a motorcycle. If I'm going to be away from the bike for any amount of time I never put it where any vehicle could concievably back into it, because they will. I'd rather park it on the sidewalk and risk a ticket than come back and find my fairing shattered.
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