More bad luck for me - Page 2 - Steve Saunders Goldwing Forums

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post #11 of 59 (permalink) Old 09-14-2018, 09:43 AM Thread Starter
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Join Date: Jun 2011
Location: Washington, Illinois, USA
Year: 2002
Make: Honda
Model: GL1800
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The police had a tow company pick bike up, I have full coverage and the guy who hit me has State Farm. I am getting ready to go to get police report and go check on my bike. I just got that Merkel insurance that I saw hear on the forums a few months ago, guess I will find out about how good they are very soon, full coverage cheaper than Geico was giving me for the state minimum
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post #12 of 59 (permalink) Old 09-14-2018, 09:45 AM Thread Starter
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I was told by the officer last night that it needs looked at before I take it so the insurance people can't try to say I made changes and screw me worse than they already are
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post #13 of 59 (permalink) Old 09-14-2018, 10:21 AM
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Get one of those personal injury Law Tiger lawyers to look at the bike, then, sit back and let them work.

Why ain't we ridin'?
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post #14 of 59 (permalink) Old 09-14-2018, 11:06 AM
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His insurance should pay for the storage. if storage is outside you might want to cover the bike.

Charlie
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post #15 of 59 (permalink) Old 09-14-2018, 11:26 AM
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Since you are in a different state, I can not say unequivocally that the officer may be mistaken about the insurance company making accusations that you did something fraudulent.

But, I have had three instances here in Washington state where I had the bike in my possession and had no issues. Twice I had accidents and rode the bike home. Most recently, I had to pick it up from the tow company's holding facility.

Each of the three times I took the bikes to the Honda dealer for an estimate on repairs.


The first instance was when my bike went down an embankment and sustained damage to most of the plastic.

The second instance was when I hit a deer and did not go down.

The third was when the bike left fork tube contacted the right rear of a cars bumper and went down hard.

Each time I maintained possession of the bike and two of those times I did all the repairs myself. My insurance is State Farm. They compensated me very well in covering the damage.

I am sure it is State Farm you will be dealing with since the individual that hit you was covered by State Farm. As long as he had collision insurance, you should be in good shape.

1998 - GL1500 w/175,000 miles
2003 - GL1800 w/106,000 miles
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post #16 of 59 (permalink) Old 09-14-2018, 12:22 PM
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On my '94SE which was totalled out in 2008, my personal Insurance Adjuster took care of everything even though the lawsuit took almost 3 years.


Then at the end, when the lawsuit was over, and the insurance company wanted to get "their money back" out of "my award", my lawyer said "uh no, that is what insurance is for, you can't do that"


in my case, the bike was insured for "Replacement Value" and I had papers to prove everything, they cut my asking price by $0.01 because "we never allow the full owner's request"...
I thought that was funny.


I had the bike valued at $10,000 with documents to prove it was worth more than that, and weblinks to resale prices showing similar bikes going for more than that at the time.

~ John


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post #17 of 59 (permalink) Old 09-14-2018, 12:23 PM
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It's a real PITA about the bike, but whenever someone is in a motorcycle accident and gets to walk away, it's a glorious day. For some reason this summer a lot of bikers in my area never got a chance to see a new sunrise.
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post #18 of 59 (permalink) Old 09-14-2018, 12:29 PM Thread Starter
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It is stored in a building
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File Type: jpg 20180914_112739_1536946113066.jpg (99.6 KB, 35 views)
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post #19 of 59 (permalink) Old 09-14-2018, 12:57 PM
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Quote:
Originally Posted by briese View Post
I am sure it is State Farm you will be dealing with since the individual that hit you was covered by State Farm. As long as he had collision insurance, you should be in good shape.

Doesn't matter if he has collision coverage or not - his personal liability/property damage coverage is what covers the other person's damages. Collision would only fix the front of his own car...
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Alan Hepburn
1994 GL1500SE with a California Sidecar
San Jose, Ca
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post #20 of 59 (permalink) Old 09-14-2018, 01:30 PM
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those pix don't give us a nice 3D feel for how bad the saddle bags got dinged.


did you open them to see if the hinges are still aligned, and the mating surfaces still meet up?


that rack may well have prevented harsher damage to the bike.

~ John


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