Show me your motorcycle!

[Caleb]

Looks a lot like a car tire actually, like someone went to the dark side. When you do that, this happens. basically the car tire might be rated for the weight but it's meant to be distributed across the tire but when you corner on the bike, all the weight's more or less on one sidewall. Essentially, you're point loading something meant and rated for a distributed load.

Car tire on a motorcycle?

 

[dvd1955]

Looks a lot like a car tire actually, like someone went to the dark side. When you do that, this happens. basically the car tire might be rated for the weight but it's meant to be distributed across the tire but when you corner on the bike, all the weight's more or less on one sidewall. Essentially, you're point loading something meant and rated for a distributed load.

Not a car tire, it's a Dunlop motorcycle tire.

 

[kawtech87]

Car tire on a motorcycle?

People do it all the time. Its a really big thing with Goldwing riders. I tell them every time I put one on that I don't recommend it and make them sign a waver. But they swear they don't have any trouble out of it. I just don't trust putting that much lateral pressure on a tire that wasn't designed to ride on the edge.

 

[Caleb]

People do it all the time. Its a really big thing with Goldwing riders. I tell them every time I put one on that I don't recommend it and make them sign a waver. But they swear they don't have any trouble out of it. I just don't trust putting that much lateral pressure on a tire that wasn't designed to ride on the edge.

Heh...never heard of it bring fone

 

[LlamaMama]

So, even worse news about my accident. Bike is a total loss, although I guess I could still probably fix it if there's no frame damage. But I'd have to pay for it myself, her insurance company has basically denied the claim because they can't get ahold of her to get her statement. Like a police report placing 100% fault on her and a witness isn't enough...



I want to fight them but I don't know what I can do. We've been f*#$ed out of too much money recently to just drop this and let it go. (one example, we had a contractor take the deposit we gave him for home improvements and run off with it, he was even charged with a crime as well as the lawsuit we filed. He's still in the wind..)

 

[Caleb]

So, even worse news about my accident. Bike is a total loss, although I guess I could still probably fix it if there's no frame damage. But I'd have to pay for it myself, her insurance company has basically denied the claim because they can't get ahold of her to get her statement. Like a police report placing 100% fault on her and a witness isn't enough...



I want to fight them but I don't know what I can do. We've been f*#$ed out of too much money recently to just drop this and let it go. (one example, we had a contractor take the deposit we gave him for home improvements and run off with it, he was even charged with a crime as well as the lawsuit we filed. He's still in the wind..)

Personally, I would make their lives miserable until I was compensated...total bs that they denied the claim because they couldn't get ahold of her. I'd talk to your insurance person and see what they can do...usually their lawyers will go after the other driver and her insurance company

 

[fjw2]

Refer to my post regarding your options. Your insurance company can work for you.

 

[LlamaMama]

I deal with insurance companies and claims adjusters every day as a body shop owner. I tell my customers that if they feel they are not being treated fairly to call their agent and discuss the situation. If a police report indicates it was her fault, your company might even waive your deductible. When you pay your premium, part of it goes toward the legal counsel that your company uses to subrogate. Your company will get your bike fixed up(or totalled) and then go after the other driver's company to get reimbursed for the costs of the claim. More often than not, you will at least get treated better with your own company. If they say it's totalled, tell them you want to " retain salavage". They will work up some figures based on the bikes pre-accident value. Then they will subtract your deductible from it. That amount and the bike will go back to you. You can then use that money to do the repairs to the bike.If you end up working with the other person's company, you can still retain salvage as long as they do that. So companies don't for liability reasons.I hope it works out good for you.That is a really nice bike.

Thank you, I didn't see your post before.

I don't have comp & collision coverage on my motorcycle through my insurance company, but this letter says that I basically am dealing with a no third party insurance situation now. Which should mean I can use my uninsured motorist coverage?

I talked to my agent the other day, she mentioned me not having comp & collision coverage, but did say something about filing through them. Just too much information at once to process properly. I just sent her a copy of that letter and told her I'd like to file uninsured motorist coverage through them. I just looked through our declarations page and we have uninsured motorist injury and property damage coverage so hopefully that will cover my bike? And the appraiser did say that I could keep my bike even though it's totalled so that's a plus at least..

Ugh this stuff sucks. I have no luck whatsoever, only me could get hit by an insured driver clearly at fault with plenty of evidence, and be denied compensation..

 

[LlamaMama]

Personally, I would make their lives miserable until I was compensated...total bs that they denied the claim because they couldn't get ahold of her. I'd talk to your insurance person and see what they can do...usually their lawyers will go after the other driver and her insurance company

Trust me, I've been trying! They haven't blinked at any of my threats, even though I've been talking with an ABATE lawyer and already filed a complaint with the Indiana Dept of Insurance. I call every day and haven't received a call back yet, just this letter..

 

[Caleb]

Trust me, I've been trying! They haven't blinked at any of my threats, even though I've been talking with an ABATE lawyer and already filed a complaint with the Indiana Dept of Insurance. I call every day and haven't received a call back yet, just this letter..

Sue them?

 

[mom45]

Thank you, I didn't see your post before.

I don't have comp & collision coverage on my motorcycle through my insurance company, but this letter says that I basically am dealing with a no third party insurance situation now. Which should mean I can use my uninsured motorist coverage?

I talked to my agent the other day, she mentioned me not having comp & collision coverage, but did say something about filing through them. Just too much information at once to process properly. I just sent her a copy of that letter and told her I'd like to file uninsured motorist coverage through them. I just looked through our declarations page and we have uninsured motorist injury and property damage coverage so hopefully that will cover my bike? And the appraiser did say that I could keep my bike even though it's totalled so that's a plus at least..

Ugh this stuff sucks. I have no luck whatsoever, only me could get hit by an insured driver clearly at fault with plenty of evidence, and be denied compensation..

If this letter is from the other party's insurance, how can you say they are uninsured?? In order to use the uninsured motorists clause on your policy, you have to PROVE the person who caused the accident was uninsured.

My husband had someone pull out in front of him last summer on his bike. He laid his bike down to avoid hitting their car, and they took off. Witnesses saw the accident. One chased the car but was unable to keep up with them or get a plate number. The police officer stated that they probably ran to due to no insurance and/or suspended license. When we asked our insurance about the uninsured motorist coverage, we were told we had to know who the other driver was and prove they had no insurance. His bike was a 1978 Hondamatic. I got all of the parts we needed to fix it up and we ended up spending about $600 to get it back to the condition it was before the accident. Luckily, he was not seriously hurt in spite of bouncing down the highway on his butt. Luckily, he was close enough to town that he was no up to full speed and reacted quickly enough to hit the brakes before he hit the pavement. As it was, the faring and windshield were busted, the gas tank broke loose from the bike and bounced down the road, highway bars were bent and had to be replaced but saved the engine...the rest was minor stuff like turn signal stems. I may have had to order new front forks too...can't remember for sure. I wasn't able to find Bates hard bags so he is still driving around with the scuffed up side bags/trunk. They are probably the only thing that kept the bike from rolling down the highway based on the scuff marks all over both sides where the bike must have bounced back and forth.

 

[LlamaMama]

If this letter is from the other party's insurance, how can you say they are uninsured?? In order to use the uninsured motorists clause on your policy, you have to PROVE the person who caused the accident was uninsured.

If you read the letter, which is from the other driver's insurance company, it says to 'proceed as if there is no third party insurance', because of a 'coverage issue' with her policy. (they told me over the phone the 'issue' is that they can't get her statement, they need it being an out of state accident.) and that 'I have the option' of filing through my insurance company.

I'm no lawyer or insurance specialist but this sounds to me like they're going to deny my claim by denying her coverage, which would effectively deem her uninsured. I guess we'll see on Monday when I can talk to my agent.

Edit: I guess what I'm talking about for paying for the damages to my bike is uninsured motorist property damage coverage, you have to buy it separately from uninsured motorist coverage, which only covers injuries. I do have uninsured motorist property damage coverage on my policy.

Hit and run accidents are one of the major reasons for carrying UM insurance. There are a few states you can't use UM in a hit and run case, but Indiana isn't one of them. Were you in a different state?

 

[mom45]

If you read the letter, which is from the other driver's insurance company, it says to 'proceed as if there is no third party insurance', because of a 'coverage issue' with her policy. (they told me over the phone the 'issue' is that they can't get her statement, they need it being an out of state accident.) and that 'I have the option' of filing through my insurance company.

I'm no lawyer or insurance specialist but this sounds to me like they're going to deny my claim by denying her coverage, which would effectively deem her uninsured. I guess we'll see on Monday when I can talk to my agent.

Edit: I guess what I'm talking about for paying for the damages to my bike is uninsured motorist property damage coverage, you have to buy it separately from uninsured motorist coverage, which only covers injuries. I do have uninsured motorist property damage coverage on my policy.

Hit and run accidents are one of the major reasons for carrying UM insurance. There are a few states you can't use UM in a hit and run case, but Indiana isn't one of them. Were you in a different state?

I fully understand that is what we THINK uninsured/underinsured coverage is for. I am saying that the letter verifies that the person has insurance. Her insurance is just denying your claim. That does not make that driver "uninsured" in the eyes of your insurance.

 

[LlamaMama]

I fully understand that is what we THINK uninsured/underinsured coverage is for. I am saying that the letter verifies that the person has insurance. Her insurance is just denying your claim. That does not make that driver "uninsured" in the eyes of your insurance.

Where in that letter does it say that she has VALID insurance? It says there's a 'coverage issue', and to proceed as if there is no third party insurance. If they determine her coverage isn't valid, how would that not make her technically 'uninsured'?

I know they're trying to deny the claim, that's obvious.

 

[mom45]

Where in that letter does it say that she has VALID insurance? It says there's a 'coverage issue', and to proceed as if there is no third party insurance. If they determine her coverage isn't valid, how would that not make her technically 'uninsured'?

I know they're trying to deny the claim, that's obvious.

I assumed the name whited out next to "insured" is the other party? "Coverage issue" does not necessarily equate to uninsured. Would they list that person as being "insured" if they were not?

Just reading it as a lawyer would....open to interpretation.

I always assumed uninsured motorist coverage, which we are required to have, would take care of a hit and run type situation. My husband's accident proved otherwise.

Please let us know how this turns out.

 

[HoughMade]

He said the insurance company has not been able to contact her to get her statement. Non-cooperation is a basis to deny coverage. However, it's a little early to jump to that. The insurer is covering itself...a they must do.

 

[LlamaMama]

I assumed the name whited out next to "insured" is the other party? "Coverage issue" does not necessarily equate to uninsured. Would they list that person as being "insured" if they were not?

Just reading it as a lawyer would....open to interpretation.

I always assumed uninsured motorist coverage, which we are required to have, would take care of a hit and run type situation. My husband's accident proved otherwise.

Please let us know how this turns out.

I suspect that's a form letter, and it would list the client's name there after 'insured', even if the letter stated that their policy was inactive because the check for the last payment for their policy bounced.

I'm sorry that happened to your husband BTW, and I'm glad he's ok. And you're right, everyone I know assumes hit and run is covered by uninsured motorist coverage. Even the IN BMV website says it's supposed to.

It all sounds like insurance company bull$&*# to deny claims to me. It's just absolutely unbelievable to me to get hit by an insured driver, who was 100% proven to be at fault, and to not see a dime from her insurance company without taking it to court. In your case, it's even more unbelievable that your insurance expected you to prove a negative for an unidentified individual to receive payment for your claim..

A judge will have no problem issuing a judgment against the lady who hit me, even without her statement. If she doesn't show up I'd win by default. Her insurance company is asking for more 'proof' than a freakin' court of law requires.

I assume the best case scenario for my claim will be getting a judgment for damages and loss of use of my bike in small claims court, which her insurance company would be obligated to pay..

 

[mom45]

I suspect that's a form letter, and it would list the client's name there after 'insured', even if the letter stated that their policy was inactive because the check for the last payment for their policy bounced.

I'm sorry that happened to your husband BTW, and I'm glad he's ok. And you're right, everyone I know assumes hit and run is covered by uninsured motorist coverage. Even the IN BMV website says it's supposed to.

It all sounds like insurance company bull$&*# to deny claims to me. It's just absolutely unbelievable to me to get hit by an insured driver, who was 100% proven to be at fault, and to not see a dime from her insurance company without taking it to court. In your case, it's even more unbelievable that your insurance expected you to prove a negative for an unidentified individual to receive payment for your claim..

A judge will have no problem issuing a judgment against the lady who hit me, even without her statement. If she doesn't show up I'd win by default. Her insurance company is asking for more 'proof' than a freakin' court of law requires.

I assume the best case scenario for my claim will be getting a judgment for damages and loss of use of my bike in small claims court, which her insurance company would be obligated to pay..

Insurance is a scam....my opinion. We have to have it, but they will do everything they can to get out of paying any claims.

I'm glad my husband wasn't killed or seriously hurt, because he was thrown into oncoming traffic when he flew off of the bike. Luckily, the guy driving the oncoming truck was able to stop. Everyone who saw it was amazed he was up walking around...very pissed, but unharmed other than road rash and some soreness. His old bike probably would have been totaled by insurance. The hardest part of fixing it was finding the parts.

It sounds like you have a pretty good handle on what to expect out of this. It sucks that your bike is screwed up and you are probably going to be the one to bear the costs of repairing or replacing it.

 

[t-squared]

Hope it works out for you Llama....and yes, insurance companies suck!
Get the her fixed up and go have some fun on a few curvy roads and things will get better...

These are a few pics of me goofin' around on US 129 down in the Smokies last week...

'08 V-Rod...

http://

http://

http://

http://

 

[LlamaMama]

Hope it works out for you Llama....and yes, insurance companies suck!
Get the her fixed up and go have some fun on a few curvy roads and things will get better...

These are a few pics of me goofin' around on US 129 down in the Smokies last week...

'08 V-Rod...

http://

http://

http://

http://

Heck yeah looks like fun! We were hoping to take the bikes down to Kentucky again like we did last year. Have family in the northeast part of the state where there's nice twisty mountain roads, had a lot of fun last year.

And yah the other driver's insurance company finally got ahold of her! I knew the responding officer took both of our phone numbers, so I called and left a message with him asking him to please call her insurance company and give them her phone number. Luckily, he did, and luckily she had given him a good phone number. They now have her statement and we can move forward.

I had actually just filed the claim through my insurance company when hers called saying they'd gotten her statement lol.

Now we get to the really fun stuff, negotiating the settlement. Still waiting for the appraisal and damage report.

Not waiting on them to start repairs though, they're moving so slow I'd lose what little is left of the riding season! We started working on it as soon as the appraiser left lol.