Harpo
Four Stars
I have a set of tip-over bars I bought from Big Dog here in the forum installed on my '07. My bike got nudged in a parking lot on the rear corner of the left pannier and toppled over to the right. The tip-over bar protected the right side pannier from any damage and the right side tip-over "wing" protected the right bodywork. Damage sustained was on the right mirror/turn signal assembly which was pushed inward and forward, impacting and marring the front fairing glacis which runs along in front beneath the windshield. The bike was setting at a 45 degree angle, resting on the tip-over bar and wing. Damage was purely cosmetic. The driver remained on scene and her insurance will cover all the damage. She's old school and has some good morals because a lot of Gen-X'ers would have just taken off. This occurred at City Hall, and the presence of all those police cruisers may have also had some influence on her decision to do the right thing.
Actually, it's a blessing since that front fairing glacis has become quite pitted from road debris ... and that will probably be the worse damage. The tip-over wing cover is also marred. The left pannier was undamaged from the contact with her pickup bumper ... she was reversing into the slot adjacent to my bike very slowly and just kind of worked the bike over to the vertical and then completely over. Finally, I will need to get that right tip-over bar powder-coated where it hit the asphalt ... and it also appears to have bent upward perhaps a half inch from the horizontal. I'll PM Big Dog and see if I can just get a replacement bar and bill her insurance for it.
Some items:
1. The local stealer (Velocity Motorsports, Ladson, SC) has an ironclad service contract which holds them completely free from responsibility for any damage to, or loss of, my motorcycle while they have it for service ... which could be weeks. Needless to say, they will NOT be installing the replacement components when they arrive ... nor will they EVER do any work on it unless the bike needs to have the engine out or something drastic like that. I will specify to the insurance appraiser that they pay only for replacement parts delivered to me. That will save them money, too.
2. I still have full coverage with uninsured motorist protection with $200 deductible, so even if she'd hightailed it, I'd be in pretty good shape.
3. We were able to easily get an officer to walk out and do a full accident investigation and FR-10 form and I made sure it had no errors in it. That's what the insurance companies base a lot on in determining fault. The officer cited her for causing the accident and held me as the innocent party. My bike was legally and properly parked.
4. The local stealer also will not do a damage estimate for free; they want $98 for that ... and the bums won't even take photos of the damage! So I contacted the lady's insurance company (USAA) and arranged for an appraiser to come to my residence and do the appraisal there for free. Apparently Honda dealers are all charging for damage estimates in Charleston ... mercenary pimps that they are! If you ever put your bike into the shop, sit down and read that service contract's fine print before you make the decision.
So, hopefully I've given you guys some info on what could happen if your bike gets hit while you're not there. The uninsured motorist coverage usually has a smaller deductible than the collision coverage. Good to know.
Cheers!
Actually, it's a blessing since that front fairing glacis has become quite pitted from road debris ... and that will probably be the worse damage. The tip-over wing cover is also marred. The left pannier was undamaged from the contact with her pickup bumper ... she was reversing into the slot adjacent to my bike very slowly and just kind of worked the bike over to the vertical and then completely over. Finally, I will need to get that right tip-over bar powder-coated where it hit the asphalt ... and it also appears to have bent upward perhaps a half inch from the horizontal. I'll PM Big Dog and see if I can just get a replacement bar and bill her insurance for it.
Some items:
1. The local stealer (Velocity Motorsports, Ladson, SC) has an ironclad service contract which holds them completely free from responsibility for any damage to, or loss of, my motorcycle while they have it for service ... which could be weeks. Needless to say, they will NOT be installing the replacement components when they arrive ... nor will they EVER do any work on it unless the bike needs to have the engine out or something drastic like that. I will specify to the insurance appraiser that they pay only for replacement parts delivered to me. That will save them money, too.
2. I still have full coverage with uninsured motorist protection with $200 deductible, so even if she'd hightailed it, I'd be in pretty good shape.
3. We were able to easily get an officer to walk out and do a full accident investigation and FR-10 form and I made sure it had no errors in it. That's what the insurance companies base a lot on in determining fault. The officer cited her for causing the accident and held me as the innocent party. My bike was legally and properly parked.
4. The local stealer also will not do a damage estimate for free; they want $98 for that ... and the bums won't even take photos of the damage! So I contacted the lady's insurance company (USAA) and arranged for an appraiser to come to my residence and do the appraisal there for free. Apparently Honda dealers are all charging for damage estimates in Charleston ... mercenary pimps that they are! If you ever put your bike into the shop, sit down and read that service contract's fine print before you make the decision.
So, hopefully I've given you guys some info on what could happen if your bike gets hit while you're not there. The uninsured motorist coverage usually has a smaller deductible than the collision coverage. Good to know.
Cheers!