Join Date: Sep 2010
So glad you are good to go. It sure pays to dress for the crash and not the ride, cuz I've been there too. When they catch that asshole (yes, BMW drivers have an asshole endorsement) I hope he has insurance. If you are going to work with the claims agents directly, take this piece of advice: Be assertive but polite and take lots of time to settle - months even. Don't threaten to take them to court, they have an army of attorneys waiting to shred you. I hope you took lots of photos at the scene and take photos of your scrapes and bruises. Your bruises will get more colorful with time, take photos then too. They will be your ace in the hole.
Take your bike to your dealer and get an estimate to have them repair it, even if they are not going to do it. The property damage claims agent might come to your home to look at your bike, as mine did, and write a check for the estimate on the spot. I was good with that. Then I did my own repairs and saved a ton of $$.
The personal injury agent is another story, especially since you have no broken bones. Did you hit the pavement hard with any part of your body? If so, get an x-ray and claim that expense. Shoot high for "pain and suffering." I asked for $10K and 5 months later, I settled for $5K, what I was hoping for. The agent only wanted to pay $1500, but dragging it out 5 months and then emailing him one photo of my bruised thigh, stating that this is what a jury will see of a 74 year old (at the time) with over 55 years of riding experience and no crashes, until their insured hit me. And oh, by the way, he's a cancer patient. I got my check immediately. I pulled the sympathy card.
Claims agents are under great pressure to pay you nothing or very little and do it fast, because claims are hitting their desks every day. That's why taking your time works toward your benefit.
Sic that asshole.
2010 Midnight Cherry XR. 7Jurock, Lloydz AF, ATS, AFR tuned VFCIII, IAV, and T-6 and locally repacked pipes = big smiles. SOLD
to a dear friend, so it's still in the family."
2017 Spyder F3 Limited - keeps this old guy in the wind and riding with friends.
Cure that ugly stand up license plate with the cheapest and best laydown bracket. Click this: