As far as your bike goes, no. When it comes time to insurance, it very well should make a big difference in that you won't be hit with filing a comp claim. With her insurance, you should be made whole-or as close to that as is reasonably possible from a financial perspective.Frame is not just scratched, there is a huge dent in it. Also one body panel, to the tune of 464 bucks, and some odds and ends, handlebar, shift lever, left mirror. Swingarm took a hit on the spool so not sure about that but it would add almost another grand.
Without the swingarm the repair cost was about 5500 bucks. Value of the bike is about 11K according to kbb.com. So it's gonna be close.
As far as the deal, I got a pretty fair discount but bought the extended warranty, which I am confident could be refunded.
Do the insurance companies also add tax/license/fees to the retail value they use for calculating the total loss?
If they do and they give me a fair price, say, 11500, I would take a hit but would not grouse too much.
I am not real excited about having my bike completely stripped and rebuilt onto a new frame. There is a lot of room for errors and mistakes when not done at the factory.
Having done a couple of racebikes from the frame up myself I know this process.
I would much prefer just "moving on" so to speak, and winding up with a brand-new machine that I can completely trust.
As far as GAP, yep, I have never purchased it and until now never contemplated needing it, but I will for sure buy GAP insurance on my next motorcycle.
Bikes are much easier to total than a car.
I know I mentioned this of course, but does it make a difference if it is completely the other party's fault? Her insurance company has stated they have accepted liability for this incident.
Consider yourself fortunate that she has decent insurance and not some fly by night weird cheapo company. Worst case scenario, she was running errands for the boss if I recall the first post. That means she very well may have been on company time and her boss certainly doesn't want to be on the hook for this.
Right now, your sucking on a big bowl of ass and it feels like it won't ever end. In 2 weeks, I wouldn't be a bit surprised to see a post from you showing off your brand spankin' NEW bike!
As far as bad news goes, this is pretty good. You're insured, she's insured, she has accepted blame, nobody got hurt and there are months left to ride before the weather turns. It hurts emotionally and it really does suck-no question there. You'll be riding again before you know it and this time you can buy the faster and better handling black ZX. ccasion1