4x4 damage. Insurance results. HOW much?

Back on the 17th I posted about my bike being backed into by a 4x4. I
knew that it wouldn't be as simple as replacing a can and bar end so I
let Carole Nash's lot take it away for exploratory surgery.

The assessors call this morning was to see how much they could leave
off the bill to stop it being listed as a write off. At the moment,
by straightening rather than replacing the exhaust headers, the bill
is in the reigon of £2,600. HOW MUCH?

Damage seems to be:

Exhaust can and link pipe[1]
Crash Bung
All RH pegs and hangers[3]
Carbon bar end
Brake lever
Indicator
Both mirrors
Repaint fairing cowl and right lower
Oil [2]
Labour

Other odd scratched and marked parts were discussed and dropped off
the list as being hidden or having old marks.

The annoying thing is that it's being taken care of by *my* fully comp
cover at the moment and I'll have to fork out £500 excess to get it
back. CN's solicitors are licking their lips in the backround I'm
told to get it all back from the other party. To think that I could
have gone for a higher excess IIRC. Shiver.

[1] Which has the exhaust valve so this includes setting this up
properly.
[2] No, I don't know why either. It didn't leak and was only changed
500 miles ago.
[3] (Yes, it's in the wrong order). Cast items so they may have
hidden fractures. Replace.

 

Not surprised

Get the bike back home before they write it off and ship it to a
breaker, I was too late with my Fazer a couple of years ago. Get a
full payout, offer them sod all for the wreck and fix it yourself.
Which is what my daughter did with her car after it was carparked, the
only argument we had was persuading the insurance to make it CAT C and
not a B.

 

My guess is that the pricey item is the exhaust can and link pipe.

I can't see the labour (leaving aside the repaint) being more than three
hours.

I wouildn't bother replacing the footpeg items. Cast they may be, but
it's not as if they're particularly load bearing.

Paint job - done properly, probably £200-300, though Beav is the man to
ask here.

I'd ask for a detailed breakdown of this bill, because to me it smacks
of someone out to make a fast buck (or rather, a thousand fast bucks).

Has there been any communication from the blind bitch who knocked it
over?

 

[/QUOTE]

That's very similar to the estimate for Elly's CBR, following the
blind bint in Bedford knocking it over when parked, then pushing it
20' up the road. Having said that, Elly's bill included a new top and
side fairing and tailpiece, as well as can and link pipe (which are
one piece on the CBR). I'd imagine the damage to be similar too, so
the price doesn't surprise me, although the repainting of panels,
rather than replacing, does.

I'd encourage the InsCo to write it off as a CatD myself, then stash
the cheque and continue riding a slightly scuffed bike with minimal
repairs.

 

It's not being written off, I'm getting them to fix it up. I love the
bike and don't see why I should lose it because of this. I can see
where you're coming from though.

 

My guess is that the pricey item is the exhaust can and link pipe.[/QUOTE]

Hmmm.... quill T3, stainless steel, oval. £197.99 from Quill
themselves. Link pipe, £175, gasket £15. Not as bad as I would have
thought.

But they are all bent in towards the frame. The exhaust is now rubbing
against the frame too.

They only use original stickers too.

It's at Carole Nash's own bike repaiers in Altringham. Not a cowboy
company to my knowledge.

Email acknowledgement and her insurance details. I've asked CN claims
about her and they say it's too soon to be pushing. Hmm. I'm about
to fire off an email to her though.

Thanks for the input.

Mike.

 

Oh, that's completely different, then. I bet those footpegs costa lotta
dosh.

Don't really see the point if they're doing a repaint. Dream machine
doesn't, for instance.

Huh.

 

Mike, I have a spare fairing panel for the right side in the correct
blue white K1 colours, it's nigh on immaculate[1]. 50 quid to you,
Sir.

[1] It was originally on the bike when I bought it from Hog but had a
couple of tiny almost indiscernible marks on it[2], so I replaced it
with an immaculate one cos I'm a bit of a tart like that.
[2] You have to look very close to see them.

 

Heh, you're determined to get rid of it to me aren't ya? Sorry,
but CN are sorting it and it won't need the panel. Thanks anyway.

 

The repair company phoned, not the ins co. (No, not the same thing).
The only thing not being done is replacing the exhaust headers which
are only a couple of mm out and easily (they say) fixed. Cost of
titanium headers anyone? Dunno myself. I could ask for new headers,
then just lose the bike. Don't want that.

 

If they're fixing it to Mikes satisfaction and he's keeping a bike he
really wants to keep then it's a win - win situation.

If it was my bike (the 10R) then I'd settle for a few minor cosmetic
flaws that were already there and keeping a bike that I want rather
than getting the cash and having to **** about looking for a bike to
replace what to me is almost irreplaceable.

 

Pretty much how I'd feel if the Ducati were similarly damaged.

"Insurance value - have £1500 and buy another one..."

"Want this one."

 

Never get attached to a specific motorbike

 

*ding*

they're ultimately easily replaceable.

 

Not /all/ of them...

--
Krusty
www.MuddyStuff.co.uk
Off-Road Classifieds

'02 MV Senna '03 Tigtona 955i '96 Tiger '79 Fantic Hiro 250

 

Anything you are going to ride regularly will be though.