[nau_lax21]

so, im in my room today (i live in a dorm) and one of my neighbors stops by and asks if my bike is ok. she goes on to tell me that she saw it tipped over onto the sidewalk around 8am and then it was back upright around noon. i go to check it out, needless to say pretty pissed and worried.

so i get out to the parking lot to find the bike standing upright, with 2 little puddles under the bike. the right fairing is DESTROYED, the handlebars are pretty bent, the mirror is scratched, the motor is scratched, and the exhaust is scratched and dented. furious and nervous, i try to start the bike, and it started up just fine. so i ride right to the campus pd to file a police report.

the cop was very helpful and took a detailed report and pictures to go along with it (i also took plenty of pictures before i touched anything)

now, to the question:
i have a $100 deductible on my insurance. is it usually worth it to report it to insurance and suffer the deductible jump next year?

[briderdt]

…and then get some repair estimates. Those actions should determine what happens after that point — is it repaired or totaled.

[Clay Dowling]

Your insurance company may even have somebody in the area they can recommend. A lot of times its easier to work with their regular shops because the adjuster will come right out to the shop and settle everything up.

[ScottyJ]

That sucks. I would wonder why someone deliberately trashed your bike. To me, it sounds like more than just a drop. I don’t know what you’re riding but a standing still drop should not cause that much damage. And wtf knocks over a bike and then picks it up but doesn’t notify anyone? I would contemplate trying to get fingerprints. I don’t know but I’m upset for you.

I keep my bike in my garage at night but I work at a university and I am always happy to see my bike standing when I walk out in the evening. It only takes one #$%^&() to ruin your day.

Good luck!

[dcJohn]

That stinks! My guess is that someone decided to play tip the bike while drunk at night–either intentionally or they hopped on and had no idea what they were doing. Then someone else, later in the day, saw the poor bike laying there and decided to at least do the right thing and lift it up so it wasn’t still crashed over and (depending on the parking spot) easy to miss and be hit by someone carelessly parking.

Like ScottyJ, I also work at a university (prof), and while most college students are great, sometimes adding alcohol turns weekend parties into bad idea theater.

[Andrew]

Could anyone have backed into it with a car? You deductible won’t go up put your premium probably will a little. You will probably have to file a claim as fairings get expensive fast.

[smokeizfire]

seem to suggest.

HE WHO DIES WITH THE MOST TOYS WINS

[dcJohn]

I predict $700.

[nau_lax21]

not even close, i got the estimate today, 2200! theyre the only motorcycle shop around, so they charge what they want. i filed an insurance claim, so im not too worried.

this whole things a huge bummer, cant wait til i have a real garage.

by the way, its a 2007 gs500f.

[Sangria7]

Elwood,

Thats a great idea…

Creates a permanent parking space that is caged!!!

[Anonymous]

And also very convenient for thieves to hook it up and take away. In order to steel your bike, they need at least a truck or a minivan. This way, even Honda Civic would do

[Sangria7]

Yea – I would definitely remove the tires and block it up. That way it cant be taken so easily.

Then chain the whole thing to a support pole or a permanent fixture. I doubt a civic would have a hitch ready to pul that thing anyways.

Lastly you can remove the hitch assembly portion.

[ScottyJ]

Unless you’ve got a reserved spot, I can’t imagine that reserving a spot by parking something there permanently is going to fly. Someone’s going to complain or, even worse, jack with it. Now, if it’s YOUR spot then go for it!

[Author]

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