Bike wrecked, insurance question

[Heino]

Yay, after a long bumpy ride the bike is back in civilization!

Originally Posted by vfxdog

It would help us help you if you posted the details of your bike.

You say bypassing the cooler is impractical- what about blocking off that union completely, as well as its counterpart? Is it the flow side, or return? A lot of coolers only take fractional flow so that might be a solution for the meantime.

I think it's the return side. Blocking off might work, I don't remember how exactly the other side looks. We'll have a closer look tomorrow. It's been a long day..

[Cale_Kat]

Originally Posted by Magilla

Took a stock 3/4 ton supercab shortbed with our 16 ft flat bed down the south pass (ok so the trailer needs new lights)and got his bike.

Did it with a stock pickup? Who'd have thought? Oh yeah, that'd be me. :-)

[socially stunted]

Is the damage at that port that protrudes from the oil filter base? Looks like a prime target for a rock. If it is, you might be able to rethread what's left of the port with pipe thread and then have a hose made with the banjo fitting from the cooler to a pipe thread fitting on the engine side. That's depending on what you have at your disposal where the bike is now. It was just a thought.

[cliffy109]

If it is totalled, you need to discuss the farkles with them. If they don't pay for them, you can take them off. If you can itemize and justify the price of them, they will pay for them but you can't take them off at that point.

[Heino]

Ha, looks like you can weld the broken off part back on! If the welder now would not have stripped the thread, everything would be perfect. Anyway, this and some spare oil in the topcase should get me to LA tomorrow.

[rhiosride]

Just tell the adjuster you had a wreck. Your policy does not contain a limitation of where the accident happened. Progressive will pay you the actual cash value of the bike less the deductible. You can buy the bike back from them after they salvage the title. You can then sell the parts or fix the bike and then ride it.

Good Luck
Rhio Nelson
Insurance Agency Owner,

[Pantah]

Dang! A lesson here for me. I rarely ask for help, but sometimes there is no choice. Congrats to ADVrider. We are a community that recognizes our individual dilemma's and willing to reach out to help.

[acesandeights]

Originally Posted by Heino

Hey,

I guess I totaled my bike yesterday in a very stupid way: I came down south pass into Saline Valley in Death Valley NP and hit a rock that just chopped the oil inlet from the oil cooler on the engine side off. Only proper way to fix it would be to replace the Crankcase which costs $1500 (+gaskets, labor etc). Total cost probably >2000, that's why I think the bike is totaled.

Anywho, my problem right now is: Will my insurance (progressive) pay for it? Since I'm German and over here only for this trip, I have never dealt with US insurance companies before and I couldn't find any helpful information online. I have collision coverage with a $500 deductible. Will they cover it, although it happened on a dirt road? If not, can I make them pay by telling them I hit a curb or something?

Also I have roadside assistance from them. Will they pay for towing? The bike is still out there, 50 miles from pavement, so towing alone would probably cost me >$1000.

If anyone has answers to these questions, I would be very thankful!

EDIT: I don't want to call them and tell them the truth, thus not getting any money from them, if I could get money with a tiny little lie. That's why I'm asking here.

Sorry, I didn't read through all the comments. It's a collision accident and should be covered by your collision coverage with a $500 deductible (per what you say). Where you will have trouble is if you say you hit a curb. Most Progressive adjusters have more training than...well, most will know right away if you're lying based on the damage and that will only cause delay. What you've described is a collision accident and explaining exactly what happened is likely to bring about the quickest payment, less your deductible.

[holckster]

FYI
Bikes engine ended up being ruined and insurance company totaled the bike and paid off.
Poster more than satisified with his insurance experience.

[Kommando]

What model of bike was this? I want to make sure I never ride one out to the middle of BFE.

[socially stunted]

It was an '05 DL650 with no skid plate. I think in his case there's a chance a plate might have saved him.

[Heino]

Originally Posted by socially stunted

It was an '05 DL650 with no skid plate. I think in his case there's a chance a plate might have saved him.

Plate would have saved me, appropriate tires would have been nice as well.. Well, in the end that's why you call it an adventure. From a financial point of view this accident has paid off. From a fun point of view, I would have preferred to not have to deal with insurance companies and logistics for the last weeks of my trip. But it made me meet good people like holckster and especially Magilla! Thanks again guys!

I wanted to post this weeks ago, but I just started a new (and my first) job, so I'm working almost all the time. The spare time I have, I spent meeting all the friends I have not seen for 6 months..

[acejones]

All's well that ends well !

[F800ekelley]

MORGAN STEELE. Hahahahhahahah thats the best comment u made on page 1 i have heard in a while i might put that as my sig line