Hi all,
A few days ago I returned my usual fall tour with my beloved FJR in the back of a rental truck. The ride had gone really well, and we had ridden through central Utah and the Grand Staircase/Escalante National Monument, Grand Teton/Yellowstone NPs, Beartooth Pass, Chief Joseph Scenic Highway, Glacier NP, up into Banff, the Icefields Parkway up to Jasper, back down to Kamloops, then back into Montana to start heading for home.
Everything was going well until Oct 1st, day #10, 4200 miles in. Leaving Lewiston ID, we were going up the Old Spiral Highway with me in the lead. Coming into a left sweeper, we came up behind a car with it's left turn signal on. He was slowing to turn into a driveway. With a big ditch to the right, and a left-turning car ahead, I had no choice but to lay heavily on the brakes. Those FJR brakes are awesome...I was almost at a stop with room to spare, but my buddy on his 2012 FJR was following too closely and apparently didn't notice the turn signal or my brake lights until it was too late. He plowed into the back of my bike (it was quite an impact) and we both went down. My bike slid down the road on it's right side, and his went down on it's left. Well, needless to say, the tour was over for us at that point. I have some rash on my elbow, and my buddy has some sore ribs and a big bruise on his hip. At least we walked away from it, no ambulance ride required. We loaded the bikes into the truck, and drove 20 hours straight to SoCal on Oct 2. Not exactly how I wanted to return home.
I have a question for those that know (and a forum search didn't turn up an answer) about how the insurance company will handle this. My buddy is at fault, and he has Progressive Insurance. I've added up the cost of parts that my bike needs to have replaced, and I came up with a retail (non-discounted) cost of $4022. I also priced the parts with a discounter (PartShark) and came up with a cost of $2747. That's a pretty substantial difference. When the insurance adjuster looks at the bike, what numbers does he use to decide whether the bike gets totaled or not? KBB shows my bike's trade-in value as $4600 with a suggested retail of $6700.
I'm just curious about whether I should expect my '06 to get repaired, or should I start shopping for a leftover 2012? If it gets totaled, I'm not really interested in buying it back and having a salvage title.
Thanks for any insight you can provide.
A few days ago I returned my usual fall tour with my beloved FJR in the back of a rental truck. The ride had gone really well, and we had ridden through central Utah and the Grand Staircase/Escalante National Monument, Grand Teton/Yellowstone NPs, Beartooth Pass, Chief Joseph Scenic Highway, Glacier NP, up into Banff, the Icefields Parkway up to Jasper, back down to Kamloops, then back into Montana to start heading for home.
Everything was going well until Oct 1st, day #10, 4200 miles in. Leaving Lewiston ID, we were going up the Old Spiral Highway with me in the lead. Coming into a left sweeper, we came up behind a car with it's left turn signal on. He was slowing to turn into a driveway. With a big ditch to the right, and a left-turning car ahead, I had no choice but to lay heavily on the brakes. Those FJR brakes are awesome...I was almost at a stop with room to spare, but my buddy on his 2012 FJR was following too closely and apparently didn't notice the turn signal or my brake lights until it was too late. He plowed into the back of my bike (it was quite an impact) and we both went down. My bike slid down the road on it's right side, and his went down on it's left. Well, needless to say, the tour was over for us at that point. I have some rash on my elbow, and my buddy has some sore ribs and a big bruise on his hip. At least we walked away from it, no ambulance ride required. We loaded the bikes into the truck, and drove 20 hours straight to SoCal on Oct 2. Not exactly how I wanted to return home.
I have a question for those that know (and a forum search didn't turn up an answer) about how the insurance company will handle this. My buddy is at fault, and he has Progressive Insurance. I've added up the cost of parts that my bike needs to have replaced, and I came up with a retail (non-discounted) cost of $4022. I also priced the parts with a discounter (PartShark) and came up with a cost of $2747. That's a pretty substantial difference. When the insurance adjuster looks at the bike, what numbers does he use to decide whether the bike gets totaled or not? KBB shows my bike's trade-in value as $4600 with a suggested retail of $6700.
I'm just curious about whether I should expect my '06 to get repaired, or should I start shopping for a leftover 2012? If it gets totaled, I'm not really interested in buying it back and having a salvage title.
Thanks for any insight you can provide.
