Well, here it is!

[MrH]

Did you call the cops?  He should be getting a serious citation for driving without insurance then I would imagine.

[SVT_Power]

I don't know if it's just that y'all have way more people than we do, but it seems like the no insurance thing is such a more common thing in the US than Canada. Don't you guys have the same thing with requiring annual or bi-annual registration/plate renewals which requires insurance?

[MX793]

Hope you have uninsured/underinsured motorist coverage.

[MX793]

I don't know if it's just that y'all have way more people than we do, but it seems like the no insurance thing is such a more common thing in the US than Canada. Don't you guys have the same thing with requiring annual or bi-annual registration/plate renewals which requires insurance?

Not every state requires insurance. 

Also, lots of people will drive around on expired/suspended tags if their insurance lapses and their registration is suspended.  Just as lots of people drive with suspended licenses.

[SVT_Power]

Not every state requires insurance. 

TIL. I actually did not know this.

I mean I knew every state has different levels of required minimum coverage but dang didn't know there were states where it's optional.

[MX793]

TIL. I actually did not know this.

I mean I knew every state has different levels of required minimum coverage but dang didn't know there were states where it's optional.

There are only 2 or 3 states that don't require it, and those have an alternative insurance option, like meeting certain personal finance criteria to demonstrate you could pay for damages out of pocket.

[Cookie Monster]

I have uninsured coverage. Cops were called and he was found at fault for the accident and cited for no insurance.

[MrH]

Yeah, lawyer up then and get everything paid for.

[SVT_Power]

Yeah, lawyer up then and get everything paid for.

Why lawyer up? Isn't the point of uninsured driver coverage to be able to get everything paid for by your policy while the insurance company goes through the trouble of litigating the other driver?

[MX793]

Why lawyer up? Isn't the point of uninsured driver coverage to be able to get everything paid for by your policy while the insurance company goes through the trouble of litigating the other driver?

Depending on the amount of coverage, may need to sue the other party for the difference if it exceeds coverage limits.

[CaminoRacer]

Depending on the amount of coverage, may need to sue the other party for the difference if it exceeds coverage limits.

Since he wasn't injured I don't think he should have to worry about that. Fixing the bike shouldn't cost more than a few grand.

But, best to be on top of things and keep a lawyer's number in your back pocket.

[Cookie Monster]

My aftermarket bits took most of the hit so I'm wondering if that stuff will even be covered...

[SVT_Power]

My aftermarket bits took most of the hit so I'm wondering if that stuff will even be covered...

I think usually you gotta let your insurance company know about mods and value in case something like this happens, but who knows

[Cookie Monster]

I think usually you gotta let your insurance company know about mods and value in case something like this happens, but who knows

Yeah, the shitty thing is, if I didn't have the engine cage I bet the damage to the bike (and me) would have been considerably worse so that thing is really saving the insurance company some $$$ too. It'd be shitty if it wasn't covered but eh.

[shp4man]

Sucks, man. Another clown that doesn't deserve a driver's license.

[SVT_Power]

Yeah, the shitty thing is, if I didn't have the engine cage I bet the damage to the bike (and me) would have been considerably worse so that thing is really saving the insurance company some $$$ too. It'd be shitty if it wasn't covered but eh.

Yeah but now they have an excuse not to pay out at all   

[Gotta-Qik-C7]

I feel your pain! I've been hit twice! Glad you're ok! You'll be sore for a few days but thats better than what happened to my buddy last September.

[68_427]

Motorcyclist was killed by my work today.  A car hit him head on and the rider was thrown from an overpass onto the highway below. 

Stay safe guys

[Cookie Monster]

$3500 in damages.

[SVT_Power]

Dang you should have tipped it over a few more times so they just totaled it.

Then acquire Tuono.

[MX793]

$3500 in damages.

From experience, not at all surprising.  I assume that's just for parts?

[Raza]

$3500 in damages.

Ouch.  It's all covered though, right?

[Cookie Monster]

From experience, not at all surprising.  I assume that's just for parts?

That's with labor.

Do you know what the value percentage is to total a bike? He forgot to include the o2 sensor. He also said my Akrapovic exhaust is scraped when my skidplate pushed it in and if I include that in the claim they'll total the bike most likely since they start looking to total it at over 50% of its market value?

There's a 2015 with hard cases with 2.3k miles for $8100. Mine has 8600 miles so I'm guess it's worth $7-7.5k at most.

[Cookie Monster]

Ouch.  It's all covered though, right?

I hope so. I'm kind of scared to see what's going to happen with all this.

[CaminoRacer]

Totaling at 50% sounds right.

I was actually surprised when I fenderbendered the BMW and it wasn't totalled even with $3000 worth of damage. We sold it 8 months later for $5000

[Cookie Monster]

Holy shit, adding the o2 sensor brought the total to $3850.

To be honest, I wouldn't mind too much if they totaled it and I could buy it back. I'd just get the bare minimum fixed (straighten the forks out and replace handlebars because bent) and ride it as is, using the rest to just pay off the loan.

[MX793]

Holy shit, you bent the forks?  That number seems low if it includes forks.  I did that much in damage just in parts, but other than bending the windshield support structure, it was all cosmetic.

[Cookie Monster]

Holy shit, you bent the forks?  That number seems low if it includes forks.  I did that much in damage just in parts, but other than bending the windshield support structure, it was all cosmetic.

Sorry, I meant aligning the front end back up. Everything felt off when I rode it, mostly because the handlebars are bent as well. I don't know if the forks are bent, but they have to come apart anyways to fix the damage to the lower fork area that got scratched up when the bike fell.

[12,000 RPM]

If the frame is straight I would definitely buy it back. Sounds like a minor fender bender

[Cookie Monster]

I should just buy an Aerostitch with some of the money.

I tried an Aerostitch on yesterday for the first time. It was sized PERFECTLY for me. I just don't know how bulking and getting bigger will affect it. I'm already struggling to fit into my one piece leathers because my shoulders have gotten a lot bigger.