Bike hit by dually at work.... ins. questions

Discussion in 'Face Plant' started by DualSportDad, May 23, 2012.

  1. DualSportDad

    DualSportDad Long timer

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    thanks again.

    i'm going to handle it just like a business transaction. i'm going to let them know my intentions tomorrow and they can handle it from there. i guess after being a employee there for 11 years i expected them to handle it a bit better.
    #21
  2. hardwaregrrl

    hardwaregrrl ignore list

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    cause you're a nice guy!

    Listen, get MORE insurance on the next bike. Specifically for you. Riders routinely get screwed when it comes to medical bills. 50 grand ain't much when you're smacked by a car going 30. In GA the minimum you can carry is 25/50/25. Add 3 zeros. I moved up to 100/300/100 and it wasn't much more. The middle number is medical coverage for you.
    #22
  3. DualSportDad

    DualSportDad Long timer

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    Thanks I'm definatly going to look into more ins.

    I talked to my adjuster today. He said there will be no problem covering the damage only snag is my policy doesn't cover transportation of the bike to a repair facility.

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    #23
  4. 51%

    51% ReadyToRide

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    Did I miss something or did the driver (porter) just avoid all responsibility on this? What about the truck?

    I would be more than pissed if a repair shop hit something while driving my truck and then failed to tell me.

    As far as your bike, IMO your employer totally owns this, but I know how you feel- damage the working relationship and it can spill over into other things.

    I had a similar experience once. My employer's truck hit my brand spanking new Ford and dented the bumper. I went to the dealer the next day and had the bumper replaced and told them to put the bill ony my employer's account.
    My boss at the time was pissed and told me I should have waited to see if they could have it done cheaper elsewhere. I told him his reasoning was EXACTLY why I didn't wait on their decision. YMMV. At the time I really had no fear in my job situation and I didn't care if they liked what I did or not.

    Best of luck
    #24
  5. Scott_PDX

    Scott_PDX Leisure Engineer

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    Bummer deal. Sounds like you Boss was sympathetic to you situation. Shit happens, that's why businesses carry insurance. An employee caused damage to property while on the clock and on company premises, the business has to pay (or their insurance). This should be on the companies insurance not yours.

    I would hate to get another employee in trouble, but what if instead of a bike it was a kid this guy ran over? And what about the customer's vehicle, maybe there is damage to it? This is why companies carry insurance on employee's, and unless he's a contractor or something screwy, the business needs to work this out for you.

    That being said, keeping your cool, being patient, and working with your company goes a long ways, and it sounds like you got all that covered by your post. Just don't accept that you should have to pay for this.

    Oh, and count me down for the "Your bike will be totalled by the Insurance Adjuster" category. Sorry. You can always buy it back, and use the claim to buy parts and fix it yourself, and with the saved labor add more farkles. Not sure about the Salvage Title and re-registering it with plate etc. issues you mentioned. Good luck.
    #25
  6. flying_junk

    flying_junk Adventurer

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    Damn man what a bummer... it sucks to be reading this. I hope you get it back soon.

    worst case is that you will have a civil suit against the guy that hit the bike. Best case is the insurance for the shop covers it. I mean that's what a business has, insurance against it's employees for when they fuck up. sounds like your bike got whacked by an employee on the clock.

    good luck man... hopefully see you out tonight?
    #26
  7. DualSportDad

    DualSportDad Long timer

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    My work is avoiding the situation... I'm getting a little upset about it at this point.

    Yeah I will be out tonight in the jeep.

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    #27
  8. viverrid

    viverrid not dead yet

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    Lots of accidents on public roads are also civil matters. If somebody backed into your paked bike (or car) on street parking, seldom would that person be charged with a crime, which would be required for it to not be "a civil matter".

    Just because it's private property doesn't mean it is a wild west free for all. And yes, I have had police respond to accidents in privately owned parking lots, and have gotten police accident reports. Along the mall ring road people go pretty fast, it is privately owned, yet vehicle & traffic laws DO apply. By your bullshit logic you can kill somneone DUI and as long as it's private property it's "just a civil matter" and the cops won't respond.

    Police are often called to civil matters.
    #28
  9. viverrid

    viverrid not dead yet

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    The other employee hit your bike. Why wouldn't you want him to be responsible? He might get "in trouble"? He SHOULD get in trouble for costing the company money, hitting another vehicle while he was on duty.
    #29
  10. Forde

    Forde Been here awhile

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    why did you even call your insurance company? surely the dually drivers insurance, or your workplaces insurance if an employee was the driver, is going to cover this? why would you have to claim off your own insurance when it was not your fault
    #30
  11. viverrid

    viverrid not dead yet

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    On vehicles where I have collision coverage, I routinely call my own company. My insurance company works for me. They handle everything and it is their job to go after the other guy to get reimbursed.

    However, as OP didn't have this coverage, it didn't help him to do so.
    #31
  12. DocAxeYarYar

    DocAxeYarYar RideDualSport.com

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    Man, that sucks sorry about your bike. I imagine your insurance will cover it. If anything was contested, or there was a problem, I think parking lots are actually in a twilight zone, because they are not a public roadway. So, that might throw a wrinkle in things.......

    Good luck getting it fixed soon, but really check out that the frame is not bent, with such a small light bike its a possibility.
    #32
  13. Off Limits

    Off Limits Banned

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    pretty sure you file a claim with the drivers insurance, not your own. if they give you the run around, then file with your own. its better if your own insurance never finds out. better for your pocket book that is.
    #33
  14. Hurricane Bob

    Hurricane Bob Long timer

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    [​IMG]



    :bueller...so why didn't ya just park on the grass, it is a dirt bike after all?



    :dunno
    #34
  15. DualSportDad

    DualSportDad Long timer

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    Sorry guys I could have sworn I posted a update to this.

    I straightened everything out myself.... sub frame and forks twisted in the triple clamps. Everything rides fine just the handle bars and bark busters are still bent. My boss said that the company will pay for them so I gave him the replacement parts receipt and I hope to be paid this week and hopefully the parts will be here by then as well.



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    #35
  16. RollingJ

    RollingJ The mud in your eye

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    You must really like your job.

    The owner of the shop should be all over you to make sure that you were taken care of.

    That's what good employers (people) do.

    Anything less and you are getting screwed.

    The employer is making money off the work of the employee every month, most likely somewhere in the range of 80% of your monthly salary in the auto repair industry, and the liability for large claims is transferred to an insurance company. If they choose to not file a claim with the insurance and take care of it in-house, they damn well better pay up, and in full.

    On your end, all you have to to is call your shop's insurance carrier and you will be paid (what a shop will charge to repair or a payoff for a totaled vehicle) this week. To them, this claim is tiny little potatoes when they normally deal with $20K+ cars.

    It's called 'The cost of doing business". Unexpected thing happen and you just write a check.

    When the plumber tells you to pay $275 for a weekend 2am toilet explosion you pay the fucking bill.

    When an employee driving a customer's car on the job runs into another employee's property, the employer pays.
    #36
  17. DualSportDad

    DualSportDad Long timer

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    Yeah my boss is still kinda avoiding the situation. At first he asked what the repair was going to cost so I told him I'd print off the web pages for the exact parts on my bike right now. I did and then he came back asking me how I was going to buy the replacements and I said online. He asked "with a credit card?", and I said yes. He said will buy the parts and bring me the receipt. I made it clear to him that I would be buying nicer stuff this time and he said that was fine and he's still just going to cover the costs of what my original parts were.

    Why he just hasn't paid me my money yet is beyond me but I'll be asking him tomorrow what is up. I guess if he gives me the run around tomorrow I'll have to go talk to the higher ups. I told my claim adjuster that I worked things out with work and they mailed me a waiver to cancel the claim but I'm not signing shit till I have money in my hand. Its bad enough I had to do the labor on this but I'll be damned if I'm going to get the shaft all the way around.

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    #37
  18. acesandeights

    acesandeights Asperger

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    If it were like anywhere I worked, the "boss" would need an invoice or receipt of some sort to provide to accounting. I've never worked anywhere where a check gets issued without some sort of invoice, receipt, etc. He's probably answering to a "higher up" that says, so me the payment for the reimbursement. The "boss" is probably caught in the middle. It'll all work out, just be a pain in the ass process.
    #38
  19. ozmoses

    ozmoses Ride On

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    DualSport,

    you are a much more relaxed man than I!!
    #39
  20. DualSportDad

    DualSportDad Long timer

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    I'm hoping that it isn't my boss is being a dick...like I said they are cool. Our GM on the hand......

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    #40