Smackdoogles 30000 miles and first crash yesterday
10-25-2008 | 04:02 AM
#1
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From: Lexington, MA
Smackdoogles 30000 miles and first crash yesterday
So at 6:30 yesterday mornin I'm rolling to work. I took backroads rather than the highway cause it was pretty chilly. So I'm in Somerville approaching an intersection. I'm to go left and I have the green. On-comming is stopped in the left lane...right lane looks open, I begin the left hander and I see headlights coming fast so I stand the bike up, grab front brake and take it down. If I had kept going straight I would have nailed the curb, instead I slide for 10' and the curb catches me. I jump up, pat myself down and run to the bike which slide 10' to the curb, hit the curb and flipped and landed on the other side of the median. The person who ran the red never stopped. Only one person jumped out of his semi to check if I was alright. He helped me pick the bicke up and everyone went on there way. I rolled the SuperHawk to the parking lot, made some phone calls and here's the status.
Me-Nothing brake, bumps and bruises, a trashed helmet and such but I'm fine, got me outta work.
SuperHawk-shattered rightside engine case, top fairing shattered, right fairing completely ruined, r/r view mirror is gone, right rearset is done brake pedal and all, right exhaust got ripped off and the front forks are twisted very badly (bars are staight, wheel is hard right).
So, this is my first insurance claim. They'll be out to look at the bike next Friday. I'll assume they'll total it. Anyone have experience with this? What can I expect?
Me-Nothing brake, bumps and bruises, a trashed helmet and such but I'm fine, got me outta work.
SuperHawk-shattered rightside engine case, top fairing shattered, right fairing completely ruined, r/r view mirror is gone, right rearset is done brake pedal and all, right exhaust got ripped off and the front forks are twisted very badly (bars are staight, wheel is hard right).
So, this is my first insurance claim. They'll be out to look at the bike next Friday. I'll assume they'll total it. Anyone have experience with this? What can I expect?
10-25-2008 | 04:32 AM
#2
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Joined: Apr 2007
Posts: 284
From: Warren, NH
That sucks. I would say they will total the bike by the sounds of it. You will probally have the option to buy the bike back from them at half of appraised value. Plus you will get a check for the appraised value of the bike. All insurance companys are different, but the ones I have delt with have worked this way. When they appraise the bike try to get them to give you extra money for all the add ons you have.
If I can help give em a shout.
If I can help give em a shout.
10-25-2008 | 05:52 AM
#3
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From: Lexington, MA
That sucks. I would say they will total the bike by the sounds of it. You will probally have the option to buy the bike back from them at half of appraised value. Plus you will get a check for the appraised value of the bike. All insurance companys are different, but the ones I have delt with have worked this way. When they appraise the bike try to get them to give you extra money for all the add ons you have.
If I can help give em a shout.
If I can help give em a shout.
Yeah it really sucks. You're probably right about them totaling it. Do you know what they base their appraisal off of? KBB? NADA? Insurance company magic crystal ball? I'll try to get as much for it as possible. At least it happened at the perfect time of year, getting cold and new/used bikes are cheap.
-On a side note, I'll probably be listing my 6 spoke wheels (900RR rear and F3 front) for sale with new allballz bearings still new in the box for sale. That really sucks cause I was going to sandblast them today and send them to the powdercoaters next week. Oh well.
10-25-2008 | 07:53 AM
#4
i support twins
Superstock
Joined: Jul 2007
Posts: 395
From: Nashua, NH
Welcome to the club brother... except mine did not get as F***** as yours. That really sucks bro but lie you said at least its the right time of year. i havent even rode my bike in a month or so and really havent had the ambition.
10-25-2008 | 08:11 AM
#5
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From: Portland, Oregon
i just finished my claim and am waiting for the check.
the insurance will total it if the quote is 70 or 80 % of the value. mine has very little damage and came to over $2900 ! i'm happy mine wasn't a total but yours will be.
with as much damage i probably wouldn't buy it back. around here buyback is around 20%. the big question is the case be open, loosing oil ? , on a running engine.
make sure you include your helmet & any other gear that got damaged in the claim.
it sucks for sure, glad you didn't get hurt ! i'm still in a cast
.
tim
the insurance will total it if the quote is 70 or 80 % of the value. mine has very little damage and came to over $2900 ! i'm happy mine wasn't a total but yours will be.
with as much damage i probably wouldn't buy it back. around here buyback is around 20%. the big question is the case be open, loosing oil ? , on a running engine.
make sure you include your helmet & any other gear that got damaged in the claim.
it sucks for sure, glad you didn't get hurt ! i'm still in a cast
.tim
10-25-2008 | 08:13 AM
#6
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MotoGP
Joined: Sep 2006
Posts: 4,138
From: Austin, Tx
When I T-boned that idiot down on Bee Caves Road the insurance company (his - State Farm) said that as long as the damages did not come to $50 greater than book value they would pay me book value for the bike and hand it back to me. Which they did. Once they assign you an adjuster start asking some questions.
Glad you're ok. Sounds like it could have been a lot worse.
Glad you're ok. Sounds like it could have been a lot worse.
10-25-2008 | 03:22 PM
#8
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Joined: Sep 2005
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From: Buffalo, NY
Glad you were OK, fight it if they give you any hassle... if you policy does not state that they pay a percentage for a total loss fight it - a friend just did this with his '55 Chevy that he had insured for 14k, estimate was 13,600 and they wanted to give him 70% of the 14K - he fought it and they gave him the estimate value since the 70% payout for a total loss was not stated anywhere in the policy.
Crash
11-06-2008 | 04:28 AM
#11
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From: Lexington, MA
UPDATE
Well, The SuperHawk is gone now. Insurance totaled it. Towing company picked it up last night, sad day. On a high note, the driver of the tow truck said he love these bikes and that this one was his so hopefully he'll bring it back up and put it on the road. Who knows though. I'm moving on, found a great deal on a 02 yamaha FZ1 with 7K miles for $3500. Picking it up on Saturday. Different flavor I thought I'd try and I haven't found anyone who had anything bad to say about them. This place has been a book of knowledge. Thanks for all the help and good times. New England guys, great rides, thanks for that. I may tag along next year if you don't mind an oddball Yamaha in the group. Thanks again and I'll keep lurking.
11-06-2008 | 06:10 AM
#12
i support twins
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Joined: Jul 2007
Posts: 395
From: Nashua, NH
DOOGLE! I myself am getting a different bike next year. I sold the hawk to my dad and am going to look for a Honda 929, RC if in my price range, SV650 or 1000, TLR1000 or Kawasaki 636. i would be pumped to get another group ride together next season.
11-06-2008 | 06:30 AM
#13
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From: New Hampshachusetts
Glad to hear you're OK.
I just moved down to MA (acton area) this summer from NH and the drivers here are absurd. That really sucks about your bike. On a positive note, i've heard a ton of good things about those FZ's. Gas mileage will probably be better on an FZ1 than the Hawk anyway!
I just moved down to MA (acton area) this summer from NH and the drivers here are absurd. That really sucks about your bike. On a positive note, i've heard a ton of good things about those FZ's. Gas mileage will probably be better on an FZ1 than the Hawk anyway!
11-06-2008 | 08:03 AM
#15
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From: Lexington, MA
I'm looking forward to the gas mileage that's for sure. I'm all about still riding with the Super Hawk Gang. Good group of guys up here in New England. I'll be on here from time to time checking out future rides. I may have to secretly tag along. I'll hang in the back not to embarrass any V-twins.
11-06-2008 | 08:13 AM
#16
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From: Portland, Oregon
Well, The SuperHawk is gone now. Insurance totaled it. Towing company picked it up last night, sad day. On a high note, the driver of the tow truck said he love these bikes and that this one was his so hopefully he'll bring it back up and put it on the road. Who knows though. I'm moving on, found a great deal on a 02 yamaha FZ1 with 7K miles for $3500. Picking it up on Saturday. Different flavor I thought I'd try and I haven't found anyone who had anything bad to say about them. This place has been a book of knowledge. Thanks for all the help and good times. New England guys, great rides, thanks for that. I may tag along next year if you don't mind an oddball Yamaha in the group. Thanks again and I'll keep lurking.
tim
11-06-2008 | 08:18 AM
#17
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From: New Hampshachusetts
Don't know where you're looking to get that FZ from but National Powersports up in Pembroke NH has some screaming deals on used rigs. good guys too!
11-14-2008 | 05:02 PM
#18
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Well, the FZ1 fell through. It got sold from under my feet. Oh well, what I have now is even better. It's a V-twin, good brakes, great suspension, great gas mileage, upright seating and FI. Any guesses? 2004 Buell XB12S Lightning. I've always liked the look and always wanted one. I found this one on ebay (located in Nashua). I emailed the guy and asked if he would end the auction for a price. He said $3900!!!!!!! I said how many miles on the bike? 3300!!!!! I said, I'm on my way up. Bike is clean clean clean, bone stock and ridiculous to ride. Lumpy idle smooths out nice at 2K-3K. Handling will take some getting used to, I have it set up for my wieght but it doesn't like trail braking at all, easily stears with the throttle though, should be a very fun bike and so far I've been getting about 58 mpg commuting to work. The power is different from the SuperHawk. Wack the throttle below 4 or 5K on the SuperHawk and the power builds up. On the Buell, you can wack the throttle at 2K and BAMB!!!!! the torque pulls. I'm happy with the new ride. I'll be seeing you New England guys in Spring. Here's some pics of the new family member.
11-15-2008 | 04:23 AM
#21
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Joined: Apr 2007
Posts: 284
From: Warren, NH
Nice bike Smack... at least it is a twin. I gues we can still let you ride with us after all. 
I have ridden a couple of them and you are right about the power. The couple I had ridden all had aftermarket suspension and seemed to handle decent. Enjoy the new ride,
I have ridden a couple of them and you are right about the power. The couple I had ridden all had aftermarket suspension and seemed to handle decent. Enjoy the new ride,
11-18-2008 | 11:57 PM
#23
Thats Mr Dill hole to you
Superstock
Joined: Aug 2007
Posts: 389
From: Sioux Falls, SD Beeeotch
One Word Well a few actually. Invest in some Sliders for your rebuild or your new ride.. Would have prolly made this lay over a minor irritation instead of Full blown hemmoroids
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