Quote:

Did they write it off for that amount of damage?



Well, the quote to fix was well below the amount where they would total it out. But the insurance guy was worried that they might find frame damage and that would cause the repair amount to go up considerably. Personally, I think they didn't want to deal with fixing a motorcycle.

Even the dealer that did the quote was speechless when I told them it was going to be totaled. I suppose I could have fought the insurance company a bit and had it repaired, but ultimately I decided to take the money and get something new.

On the positive side, the insurance adjuster suggested I file a claim with my own insurance company regarding the damage (cosmetic) on the left side from when my wife laid it down last year. This did effect the amount that they gave me for totaling (but not much).

After talking with my own agent, making sure I could actually file a claim on a vehicle that was already being totaled, and making sure it wouldn't effect my rates too badly (only $15 more a year), I decided to file a claim. After the deductible, I'm getting another $2k back from my own insurance company. I never would have thought about it myself if the other insurance company didn't mention it. Still feels kind of weird though...

So now I'll have a healthy amount to put down on another bike, buy one outright, or have more than enough to fix this one if I go that route.

(RIP) 2004 Black Speedmaster | Scepter Exhaust | ISO Grips | Black-Hex Shifter Rod | Willie&Max Bags