Phoenix SOS

[RossKean]

You are getting it fixed anyway, right? Why wait for the insurance delays. Get the parts ordered and get things in motion anyway. Save two weeks.

 

[DeSudet]

You are getting it fixed anyway, right? Why wait for the insurance delays. Get the parts ordered and get things in motion anyway. Save two weeks.

That's making an assumption that I actually HAVE the money to get the parts. The shop I'm using for the repairs is a good but small one. Even if they're willing to order the parts early, I wouldn't be able to pay them for the work if the insurance doesn't. Based on the parts price they gave, I'm assuming it's all MSRP and I could get them all much cheaper elsewhere. Since I'm sure I don't have the tools or know-how to do it all myself, I'll just wait it out.

 

[DeSudet]

Got hold of the full quote. The parts list is indeed all MSRP (as is typical for shop quotes) and includes the full fairing, not just the cowl. The part number for the mirrors is different from the Gen II and the parts diagram shows a couple of extra pieces included in the assembly, so I'm not confident the same FZ1 mirrors will work. Oh well. Will have to play around with that if/when I have spare fun money. As a bonus, the crankcase cover and mirror that got scratched up in a 0mph fall are included in the new parts, so I should be back to a pristine bike when all is said and done.

 

[DeSudet]

Insurance check cut today and the shop will be ordering parts after the holiday. Hopefully be back on the bike by the end of the month.

 

[Uncle Hud]

Good news!

 

[Jer]

I have the FZ-1 mirrors on my 2013. They install was the same as on my 2007.

5LV-26280-00-00 and 5LV-26290-00-00

 

[Mihalis fjr]

I read and i wonder how your insurances works there.Here and in the most European countries the insurance will pay you only if in an accident the fault isn't yours but from the other person that caused the accident.In all other cases and if the fault is yours,the insurance will pay the other person and you will pay from your wallet the repairs of your bike..

 

[DeSudet]

Depends on what level of insurance you get. If you get legal minimums, it's as you say. For cages, there is an optional glass coverage that will reduce, sometimes eliminate, out of pocket costs to replace chipped, cracked, broken windshields. You can also pay a bit more (varies by vehicle, location, driving history) for Comprehensive coverage which includes things like theft, vandalism, etc. Often included in comprehensive, but also often separate is Collision coverage. That has your insurance company paying for repairs if it's no fault, your fault, or the other driver doesn't have sufficient coverage to effect the repairs.

If the repairs cost more than they say the vehicle is worth, they call it 'totalled,' keep the vehicle, pay out what it's worth, and that's the end of it. That can be your own insurance or the other driver's (if their fault) making that call.

I have full coverage on the bike, the accident was my fault (no matter how much I ***** about that damned little crotch rocket in my blind spot) so my insurance company is paying out. Next time my policy is up for renewal, my rates will probably go up a little bit since motorcycles aren't covered by the same discount rules as cages (my agency, at least), things like good driver discount and accident forgiveness which cancels out the regular rate increases for tickets or accidents if you haven't had either in a certain amount of time. Worst case scenario, I'll shop around for another insurance company if the rate jumps too much to bear.

 

[Mihalis fjr]

Depends on what level of insurance you get. If you get legal minimums, it's as you say. For cages, there is an optional glass coverage that will reduce, sometimes eliminate, out of pocket costs to replace chipped, cracked, broken windshields. You can also pay a bit more (varies by vehicle, location, driving history) for Comprehensive coverage which includes things like theft, vandalism, etc. Often included in comprehensive, but also often separate is Collision coverage. That has your insurance company paying for repairs if it's no fault, your fault, or the other driver doesn't have sufficient coverage to effect the repairs.
If the repairs cost more than they say the vehicle is worth, they call it 'totalled,' keep the vehicle, pay out what it's worth, and that's the end of it. That can be your own insurance or the other driver's (if their fault) making that call.

I have full coverage on the bike, the accident was my fault (no matter how much I ***** about that damned little crotch rocket in my blind spot) so my insurance company is paying out. Next time my policy is up for renewal, my rates will probably go up a little bit since motorcycles aren't covered by the same discount rules as cages (my agency, at least), things like good driver discount and accident forgiveness which cancels out the regular rate increases for tickets or accidents if you haven't had either in a certain amount of time. Worst case scenario, I'll shop around for another insurance company if the rate jumps too much to bear.

Thanks for the detailed information!We have the same choise here but it is very very expensive..

So,for information only i pay about $220 per year for the legal minimum insurance of my bike.

 

[DeSudet]

That's just a little less than I'm paying for full coverage. Of course there are some discounts I get with 2 cages(state minimums) and a house under the same policy. The homeowner's is bundled in with my mortgage payment, and the rest comes out to just under $1200 per year. Doesn't really feel like that much month-to-month Probably should shop around anyway...

 

[Mihalis fjr]

That's just a little less than I'm paying for full coverage. Of course there are some discounts I get with 2 cages(state minimums) and a house under the same policy. The homeowner's is bundled in with my mortgage payment, and the rest comes out to just under $1200 per year. Doesn't really feel like that much month-to-month

Probably should shop around anyway...

Thanks again for the information.Wishes for a quick full repair to your bike!