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[Resurecton]

I never  thought I would have to write  this post about myself, but sometimes, it happens.  I was riding in a group ride, Run for the Wall, which travels yearly from LA to DC in 10 days on a mission to bring attention to  veterans, and veterans issues.  While in the middle of one of the groups, I lost control of the bike near Tyler TX on Sunday morning the 17th of May.  I left the road and onto the tall grassy center median where I slowed from freeway speed to about 20 before I laid  it down.  I was riding 2 up at the time.  We both flew, skidded to a stop in the tall wet grass.  This large group had people  attending us almost instantly.   We were transported  to Tyler ER.  For me, concussion but nothing broken.   For my passenger, Sandy, not quite so good.  Concussion  for her, too, but also a broken clavicle  (collar bone) and a couple of other lesser injuries.  This occurred  as I said, in Tyler TX  on Sunday.   After escaping the ER, me clad in trou and a t-shirt  I pulled back out of the trash can where they tossed it after they cut it off me with scissors her in only 1 hospital  gown and her boots, we spent the night in the nearest motel. 

The story goes on, and I would like to share it, but for now, I must sleep.

[smkymtnboy]

just glad to here your resting. instead of suffering or worse!!

[VRODDAVE]

Sorry to hear about your misfortune.   I hope you both heal well .... although you both sustained some considerable damage, you both are very lucky to be alive ...     good luck

Dave

[lowflight]

Sorry to see this. Thankful that it wasn't worse for either of you. Hope you both heal quickly.

[Robmay]

Glad you are both okay for the most part!! I pray you heal quickly and completely!

Rob

[JCZ]

I'm really sorry to hear that Wayne.  If there's anything you need me to do for you here in San Diego, just let me know.

I think you still have my cell.

[CircleRacer]

Sorry to hear this kind of bad news. I am very glad you are able to tell us about it and the both of you were able to walk away!!!

[D-N-D]

I hope the both of you Get Well Soon.

[Resurecton]

I have a   question  about what happens  when the Insurance company totals the bike is.   Hasn't happened yet,but if  it does, how do I retain the grades if installed?

[DCFIREMANN]

Not sure who your Insurance Company is, but most buy the bike back as is. Under some policies you have coverage for some upgrades. I think mine is $1500.00 anything after that is not covered unless I do the increase in Insurance.

Glad you and you BSR are Ok. Just remember, the bike can always be replaced.

Be Safe

THE DAWG

[JCZ]

Wayne the insurance company will usually not tell you but you have first buy back rights to your bike and it's usually a pretty low figure.....even if buying it back just to part it out, you'll come out ahead.  You just have to communicate to them as soon as they mention "totaled" that you want to buy it back and repeat that every time you talk to them. 

On the other side, you don't want them low balling you.  Use the Nada guide to find out what it's really worth to you and don't let them go below that figure.  It may come to push and shove but they'll usually step up to the true value before they'll go to court over another grand or two. 

Make sure they have the frame and neck bearing cup checked.  Almost any accident where the front end took any kind of hard bump or hit will usually find the neck cup out of round or the frame itself bent.

Just some suggestions with experiences I've had in that area.

[GregKhougaz]

Sorry for your misfortune, Wayne.  I can't speak for Texas but in California if the insurance company declares your bike a total loss, they must give you both options, totaled value and salvage.  If the bike is totaled and your accessories are not covered, take them off, assuming you have access to the bike.  If the accessories are not covered, they are not included in the price the insurance company pays you and thus, the company is not entitled to them.

While NADA is relevant to the value web sites which give recent actual sales of similar bikes are more relevant.  EBay, Cycle Trader, etc.  Also, you may get an appraisal from your dealer.  Get your service records and pictures.  All of this is relevant to the ultimate price.  Good luck! 

[Resurecton]

Thanks for the info.  There just a bunch of small stuff, (and some bigger ones) that it Jist doesn't make sense to loose to salvage, then go out and buy again.

[RonandJanet]

I am glad to hear you are both OK. I am sure it shook you both up! I have never had to make a claim on the bikes but I have fought for the value of older cars I had in the past. If you find comps (Craig's list etc.) and use all the internet value sites you will know what the value is. It was a bit of a pain but armed with facts you can usually get most for your vehicle. The hardest part is getting your emotional value out of the equation.     

[Resurecton]

Good advice and I thank you.

[08glide]

sorry to hear about the misfortune. especially on an event such as Rolling Thunder. I'm glad you both are still here to tell about it. Give thanks to the Lord for that. praying for healing & comfort for both of you. good luck with the bike issues.         

[sadunbar]

In 2004 I hit a deer with my 2004 O/B SEEG on I 90 while traveling thru South Dakota.  I had the cruise set at 80 mph, so needless to say the bike was totaled.  The bike was only 3 months old and had just over 5000 miles on it.   I had Progressive Insurance - I don't know if all insurance companies work the same.  I got the bike home before I called the insurance company.  An adjuster came to my house and took one look at the bike and declared it was totaled.  I had the option of buying the wreck, but because the motor and transmission were intact, the price for the wreck was far more than I felt it was worth to me.  So I let it go.  The adjuster suggested to me that I might want to remove any add on parts from the bike.  I removed everything I felt I would use again, including the tuner.  The adjuster gave me a couple of days to do this work and then sent a flat bed to retrieve the bike.  The crash happened on a Sunday.  The following Friday the adjuster hand delivered a check for 500 more than I had paid (I paid msrp with zero add-on fees).  I didn't question how he came up with a value above msrp - I just thanked him for the check and we parted company.  One week later I found another brand new 2004 O/B SEEG, for which I also paid MSRP with no fees.  The unexpected part of the experience is when I contacted Progressive to insure the new bike, they simply took the information (vin and such) and sent me a new insurance card - no bill.  I had paid for a year's worth of insurance on the crashed bike.  I assumed because the bike was totaled and they paid the claim to the tune of $30,500.00 that I would need to start over with a completely new policy.  But that isn't how it worked.  I paid nothing and had 9 months of insurance remaining from the original policy.  To this day I don't know if that is how it is supposed to work, but it's how it worked in my case.

[Road Dad]

So how did you crash your bike?

[03Lightningrocks]

So how did you crash your bike?

He put it in the first post of this thread. He lost control of it and decided to lay it down rather than try and ride through it.

[Road Dad]

I got that. But how exactly do you lose control?  Tire explode, rock, oncoming vehicle in you lane, e. g. There's has to be a reason.

He put it in the first post of this thread. He lost control of it and decided to lay it down rather than try and ride through it.

[03Lightningrocks]

Oh... now that I have slept I get what you were asking. Good question. It doesn't say what caused the loss of control.