Gen 5: 2016 -> 2017 zx10r totaled August 27th. Screwed over by ins, my job and lost it all. - Kawasaki ZX-10R.net
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post #1 of 29 Old 10-26-2017, 01:52 PM Thread Starter
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Exclamation 2017 zx10r totaled August 27th. Screwed over by ins, my job and lost it all.

I was told to share my story here by the moderator and admin of the facebook page kaw nation!!!!
I bought my 2017 zx10r brand new in June. I purchased the bike from MAcomb Powersports and when I applied online it said receive a 15% discount off of your loan amount. I got accepted and went in. They never gave me the 15% and told me that it was for the bike but for gear (they don't add gear to a loan amount). I was told they could not do any sort of discounts. While waiting I hear another guy seemingly 10 years older ask about a brand new bike and they told him they could take 2 grand off for him. I then was told that I could put down what I wanted and I they showed me options of V.i.P, Tire and Wheel, Extended warranty and Gap coverage. They stated that with my $4500 down I could purcahse the V.i.P, the Extended Warranty and The GAP coverage with the $4500 and the remaining would be for tax and title. So I paid cash for those services. I had a 4% interest rate and the total of the bike came out to just under 18k. I then asked if they had options for helmets or accessories that they could add on or throw in since they didn't give me the 15% or a discount on the loan like the website stated. They took me to the shop and told me they could only offer me a discount on one helmet and it was a speed and strength helmet I bought for my old bike Directly from the company for $100 dollars. They were trying to sell it to me for $135 at their "discounted rate." I laughed and said no thank you. I got the bike home and put on about 800 miles in about a month and had them come get the bike with my VIP service. They took the bike and brought it back. I noticed a scratch on my exhaust and they told me they never did that. Then I notice the clutch they adjusted wasn't working as well as before and my chain was slipping whenever I gave it a little bit of gas. I ended up calling them and they said their team did the inspection and maintenance the manual called for. I rode it until 1400 miles when the back tire blew out which looked to be a defect and bubble. I talked to Macomb Powersports and they told me they would just use one of my V.I.P services to come get it and take a photo to send it to kawasaki. I said cant I just send it in? They told me yes and told me they would get better results being a shop. I told them that's fishy and they just wanted to waste one of my maintenance times. Then told them about the scratch on my bike last time. They still denied it. So I posted a facebook status about my experience and didn't tag them in it or anything, just being honest about what happened with them. Told them when I talked to them a tire should not blow at 1400. not with a bubble. Macomb Powersports ended up calling me and telling me to delete my post or the owner told them not to honor my VIP service and hung up on me. I called back and they hung up yet again. I posted about this instance as well. They ended up calling me back and telling me that they will now honor my VIP service but not at this time because I left a voicemail saying I have a contract signed and they are breaching it. MotorCity Powersports seen the post and told me to avoid them and to come in and they will show me how service is supposed to be and replaced both tires free and did an inspection and found Macomb powersports over tightened my clutch and under tightened my chain which would cause abnormally fast wear. They fixed that and inspected the rest of the bike. I ended up having no problems after that. THIS IS WHERE IT GETS CRAZY...
So I am riding back from the renaissance festival with 3 friends in a car behind me and hit a lifted spot in the road which dented the front rim and ended up throwing the ass end of the bike over the front totaling the bike and breaking 3 bones in my foot. brake lever and foot peg went in each side of my ankle and the brake lever took 2 square inches of skin and a chunk of ankle bone tearing the ligament as well. I called my Allstate insurance and they sent a truck. The truck would not tow my bike without a police report so we called state police. State police said without another vehicle involved they will not come out. 4 State police drove by and seen the bike and people on the side of the road and didn't stop to assist. Then we called back to the state police and they hung up on us. (In my knowledge any time they receive a call they have to go to the scene, even if for noise complaints. By law.) So I had to call my own tow truck and instead of an ambulance ride my friend took me to the hospital. St Johns hospital told me they found one break and they couldnt do anything about the huge holes in my ankle and to see a specialist within 1 to 2 days. They wrapped it up in gauze and told me to shower to clean it. I got home and within 2 hours my entire gauze was dripping a puddle of blood. I should not be bleeding that bad. I changed the dressing and within 15 minutes there was a puddle under my leg. They set up the specialists appointment a week later and it wasn't even for the appropriate type of specialist. I then went to Troy Beaumont where they treated me as if it just happened because i was within 24 hours. They ended up finding 3 broken bones, a torn ligament and chunk of ankle bone missing. They told me St Johns never should have let me leave with an open fracture which means the wound is open all the way to broken bones or with it bleeding that bad. They ended up cleaning the wound which St Johns did not and they stitched up what they could the best they could because my ankle was missing so much skin. Then got me to where I needed to be.
INSURANCE SCREWED ME...
I talked to insurance and they told me they would cover work loss and I had the option to total the bike or keep it and have it fixed. After I got it to MotorCity Powersports they told me there was $13.7k in damage. Insurance then told me that even with the 4500 down and 12k I Paid into the bike. Somehow the bike value was only worth 10k and they would only offer me 9k for the bike. That if I wanted it fixed I had to drop the damage down to 8k and fix the rest myself which left almost 6k in costs/damage. Somehow even with all I paid into the bike. 4500 down for all the vip and extended warranty and stuff and then 12k off of the 18k bill with a 4% interest rate I still owed. They offered me 10k and then told me 100 had to come off that so they would give me 9k so then they tell me that I needed gap insurance to kick in which makes no sense to me as to how they found the value of the bike to be lower than what I had paid into it and what I owed. So then they tell me that I need to have gap insurance cover the rest. GAP told me until they get the extended warranty money I paid $830 in cash for they will not pay off the rest. I paid that cash up front during purchase to obtain the extended warranty. it weas not part of the loan so they tell me I have to get that back and it will be applied to the loan before gap kicks in and then gap will cover any remaining amount.No option.
THE BAD WITH WORK...I went to work 2 hours after getting out of the hospital with a doctors not saying after 3 days I could work as long as I put no weight on my foot and my boss and the higher ups above him said they could accomidate that and no problem and told me my jkob will be there even if they couldn't accomidate me which they promised they could. They told me to keep in contact every week when i went to the doctors. At the 4th week I told them I should be able to return in two weeks. They ended up telling me they needed to fill the position and had to let me go (which is illegal because I was out on medical) and I cant afford a lawyer being off 2 months now and trying to find new jobs. All while being under 100% because walking after 3 broken bones and a torn ligament is not easy. So I ended up getting screwed out of my job as well. Now I am having trouble finding work and pretty much lost everything but my car that I worked for. COURT FOR BULL...I now also have court on the 6th of November due to a police offer being really ignorant and rude. I got a reckless driving and improper plate ticket. I had an officer pull me over. I was driving the speed limit and had my sena music on really loud and noticed after my turn i forgot to shift. silly mistake, So I decided to use my quick shift at 5k rpm and it lifted the front tire slightly. so I quickly shifted to second and it did the same then to fourth before leveling m speed at 45 following the car before me. The cop almost rear ended me and I quickly pulled over. He got out of his vehicle laughing (sterling heights police) and then told me that i was going 90 and he was following me and i said bull that there is no way i was clearly following the van in front of me he said he didnt have his radar on and it looked like i was going faster. then told me i was doing wheelies and to call someone for a ride because they are towing the bike. i told him if you tow it i dontant it back that will damage it. then he told me to stand by his car and face it and put my hands on my head and he walked to the bike and i hear a loud noise like he hit my bike wsiwith something so i turn my head and the second cop slammed me on the hoot and puts me in handcuffs and tells me they can take me to jail for reckless and that i better not turn to look again so i asked him " I am not allowe d to turn my head?" then told him sorry and then they ended up telling me they been riding 30 years and only downshifting would make the tire come up and that quickshifts dont do that and thhat if i tried to tell the judge about my quickshift or anything that he will make sure i am jailed for it. so now I have no idea whats going to happen and they will not drop it from a misdeminor and its a shitty process to deal with after losing my job over medical and exhausting most of my savings.
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post #2 of 29 Old 10-26-2017, 06:52 PM
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Im sorry all of this happened to you. No one deserves that....

With that being said, forum members can only do two things for you.

One thing would be to post nice things, like I did above. The other thing would be for them to be real honest, and point out how you contributed to your own situation. I dont think you'll like that, very much, but in ten years, you would probably look back at that as being helpful.

The part of the story you are leaving out is the most important. That part is you.

The shop offered you a horrible finance option, a way overpriced bike and some strange, and expensive add ons....YOU said "YES" and signed your name. Thats it. At this point, its not the shops responsibility to tell you not to.

YOU did not license something properly ..for whatever reason (they dont care, its $$$) and got a ticket.

YOU chose to ride in a way that a police officer noticed...that ended up as reckless driving.

Then, the crash happens. For the sake of argument, we'll pretend you are a professional rider, but people who wear riding boots usually dont have missing chunks of their feet and ankles, if and when they crash.

All if this led to your not being at work. Now, it is screwed to fire someone for being injured, but at some level, they run a company and needed someone doing your job. You were in a situation where you couldn't...what were they supposed to do?

I hope you heal up 100% and that you take this time off and use it to take a look at what you did wrong, and educate yourself on finance contracts, and insurance.

I hope im not being an asshole. I put some time into this and this is what I'd tell my own son if this happened to him.


Your not the first person who bought into a bad sales contract, and made some fairly poor decisions. I think we've all been there...

As far as dealing with the police goes....step 1 is dont.....never do anything that causes them to notice you.

Step 2, and this will be the final step. If you ignore step 1, step 2 is easy.....you do exactly as they say, followed only by things like, "Yes, sir..or NO, officer...." thats all. You know how I said they dont care about your license excuses? They REALLY dont care about your explanations. Thats all saved for the courtroom.

Failure to follow step 2 may very well get you beaten or shot. Again, another choice you'll have to make.
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Last edited by rcannon; 10-26-2017 at 06:58 PM.
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post #3 of 29 Old 10-26-2017, 08:07 PM
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What kind of boots were you wearing during the accident? It's shocking that a decent boot would allow that much damage to your ankle!

Get well soon.

2013 ABS, Bridgestone T30 Evo, Woolich, Danmoto shorty & link, Rifleman's 1/5th turn, K&N, GP shift, Gen5 shock/links/dogbone, JT (-1/+0), EK, Shorai, EBC HH, AllBallz roller steering, heated grips, shorty levers, MotoDynamic signals & relay, plasti-dipped and vinyl wrapped (all green to black), Bestem carbon, PUIG Pro sliders, solo cowl, modded sprocket cover, TST fender elim. w/LEDs. 45,000km+ and going strong!
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post #4 of 29 Old 10-26-2017, 08:46 PM
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Originally Posted by rcannon View Post
Im sorry all of this happened to you. No one deserves that....

With that being said, forum members can only do two things for you.

One thing would be to post nice things, like I did above. The other thing would be for them to be real honest, and point out how you contributed to your own situation. I dont think you'll like that, very much, but in ten years, you would probably look back at that as being helpful.

The part of the story you are leaving out is the most important. That part is you.

The shop offered you a horrible finance option, a way overpriced bike and some strange, and expensive add ons....YOU said "YES" and signed your name. Thats it. At this point, its not the shops responsibility to tell you not to.

YOU did not license something properly ..for whatever reason (they dont care, its $$$) and got a ticket.

YOU chose to ride in a way that a police officer noticed...that ended up as reckless driving.

Then, the crash happens. For the sake of argument, we'll pretend you are a professional rider, but people who wear riding boots usually dont have missing chunks of their feet and ankles, if and when they crash.

All if this led to your not being at work. Now, it is screwed to fire someone for being injured, but at some level, they run a company and needed someone doing your job. You were in a situation where you couldn't...what were they supposed to do?

I hope you heal up 100% and that you take this time off and use it to take a look at what you did wrong, and educate yourself on finance contracts, and insurance.

I hope im not being an asshole. I put some time into this and this is what I'd tell my own son if this happened to him.


Your not the first person who bought into a bad sales contract, and made some fairly poor decisions. I think we've all been there...

As far as dealing with the police goes....step 1 is dont.....never do anything that causes them to notice you.

Step 2, and this will be the final step. If you ignore step 1, step 2 is easy.....you do exactly as they say, followed only by things like, "Yes, sir..or NO, officer...." thats all. You know how I said they dont care about your license excuses? They REALLY dont care about your explanations. Thats all saved for the courtroom.

Failure to follow step 2 may very well get you beaten or shot. Again, another choice you'll have to make.
Life sucks and will always kick you when you're down. That said, you made some mistakes.

I too had compound fracture of my knee, but i was properly treated at a hospital, and my job was accommodating especially with my disability insurance. However i could not afford the medical bills or physical therapy and so i had some permanent repercussions to my physical well being, and temporary repercussions of having to pay a shitload out of pocket medically for the next few years.

BUt at the end of the day, I chose to buy a 2004 zx10r as my first sportbike when i was 21. I chose to ride in a tank top, jeans and tennis shoes. I chose to ride on the highway even though my dad with 30+ years of motorcycle experience told me not to. I chose to put all my spare cash into a monthly bike payment. I chose to get health insurance that would not cover more than 40% of a 5 day hospital stay. I also chose to say, i fucked up, and own the mistakes i made. I could blame the truck that pulled out in front of me. But ultimately, it was my bad decisions and lack of experience that caused me these issues. And blaming the truck got me nothing except knowing "uhuh" nods from other people that either had made up their mind, or ultimately knew better.

I have 3 zx10rs now. I almost never ride without significant safety gear. And i carry the max life, disability, health and vehicle insurance so that i never have to be in a situation where i can't help myself out. And i just recently broke my clavicle at the race-track, and it was no big deal, for the most part, and i will ride again very soon. But i had to learn the hard way at least once.

Its your turn. What can you learn?
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post #5 of 29 Old 10-26-2017, 11:09 PM
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Are you ever going to get to a point in your life where youre no longer a victim? Kinda sad reading this and all I can think about is excuses I hear from my 6 year old.
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Last edited by Schooley; 10-27-2017 at 01:17 PM.
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post #6 of 29 Old 10-27-2017, 10:14 AM
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He was sent here from Facebook! - GET HIM BOYS!!


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post #7 of 29 Old 10-27-2017, 10:32 AM
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Loser Alert. Answer to the boot question. The guy probably was wearing tennis shoes. Take the advice given. Change your ways and own your mistakes.
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post #8 of 29 Old 10-27-2017, 11:02 AM
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and now for the rest of the story.....

"and I forgot to mention the doctors gave me pain killers and
now I'm addicted to pain killers. But since I don't have a job anymore and no health insurance I have to suck cock to afford my heroin addiction."

Hate to hear anyone getting hurt under any circumstances but
I think there's a few lessons learned here.

Heal up, get new job, pay off bike, get new bike, read the fine print, new gear and get riding again. Could of been worse.
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post #9 of 29 Old 10-27-2017, 03:05 PM
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If you're doing accidental wheelies at 5k at 45mph, it's probably a good thing your bike got totaled.
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post #10 of 29 Old 10-27-2017, 03:53 PM
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I only made it to the third sentence. What did he win?
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