Bonneville America Forums Forums Off Topic Discussion Forums Lounge Second Accident Same MO

Take the time to assess the damage before you let his insurance just write it off as a total loss. That’s the cheapest and easiest way out by far for them. You likely have accessories you haven’t yet thought of or forgotten and all of that adds up as well as jacket, boots, gloves, and helmet. Exhaust pipes , seats, light bars, heel-toe shifters, any far less of chrome or anodized aluminium, etc.

When I laid down my ‘09 last year I still carried full coverage insurance and thought the standard $3000 of accessories coverage was adequate. IT WASN’T EVEN CLOSE TO BEING ADEQUATE!!

And a lot of my accessories were on my bike when I bought it new, like my light bar and shifter. If it’s not on a bone stiock naked factory model it’s an accessory. It totaled mine quickly (mine wasn’t that bad and had I been of right mind I would have argued them totaling it), but that’s another story.

My point is two-fold. Don’t be taken advantage of, and if you’re insured, don’t be under-insured. The difference in premium to cover another $3000 worth of accessories was minimal and it would have put a LOT more money in my pocket when it was totaled.