slangblades
Junior Member
Posts: 91
Likes: 19
Registered: Jun 8, 2020 19:20:50 GMT -7
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Post by slangblades on Aug 2, 2020 9:43:58 GMT -7
I was rear-ended yesterday while stopped at a traffic light. The guy came out of the gas station and apparently didn't see me even though it was 12 in the afternoon. He pulled over and we called a police officer and exchanged information. the driver fully admitted fault but did not have a license or insurance. He actually only hit the exhaust which push the bike out from under me. Luckily I had installed frame sliders recently and they completely saved the bike from any damage as far as I can tell. Apart from the frame slider and left mirror being a little scratched, I don't see any damage on the bike at all. The only thing I did notice is the exhaust has about a quarter of an inch of movement to and away from the bike. It's fine when the bike is moving and it only moves if I actually move it with my hand but I am not sure if it was like this before the accident. Not sure whether to involve my insurance. I have a $1,000 deductible. There doesn't seem to be anything to fix unless the exhaust is not supposed to have any movement at all, in which case then yeah he did either loosen something or bent something. On top of this the guy was actually very nice about the whole situation and very apologetic. What would be my best next move? Should I try to settle it with the guy and not involve my insurance? If so how much should I ask for? Is there any other damage I should look out for? The accident was pretty much he hit the exhaust and so the bike went out under me and landed on its left side and the frame slider completely stopped the bike from being scratched anywhere besides the left side view mirror. Not sure where to go from here. Any suggestions are welcome
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seanymac
New Member
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Registered: May 1, 2020 20:11:34 GMT -7
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Post by seanymac on Aug 2, 2020 10:06:44 GMT -7
If the damage is limited to the slider and the mirror you won’t even meet your deductible if you file an insurance claim with your insurance. My bike has never been in a crash and I can move the slip on around by hand so Based in your description of what yours is doing it sounds normal. I would fix the damaged bits on my bike and contact the other driver and request he pay for the cost to fix it. Keep good records for small claims court (if you live in the US). He might be a nice person but he’s clearly irresponsible if he drives without a license or insurance so I wouldn’t hold much hope that he will pay for your damages. In that case I would sue him in small claims court.
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Deleted
Posts: 0
Registered: Nov 23, 2024 19:04:58 GMT -7
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Post by Deleted on Aug 2, 2020 12:14:15 GMT -7
First of all, if the hit was hard enough to knock the bike down, I'm positively sure the exhaust is going to have damage, even if only dented. I'd get it replaced. I installed a Graves slip-on almost from the beginning, but there was absolutely no play on my can when I removed it. In fact, I had to wrestle it a little, moving it around side to side to dislodge from the pipe. I had a hell of a time slipping the Graves, so that sucker doesn't have an iota of movement, so maybe my bike had a slightly oversized pipe diameter. At any rate, a lot of things could have been bent, including headers (although unlikely), so I'd take A VERY CLOSE look at everything before arriving at any conclusions. Having said that, even if you have to buy a new slip-on, it seems to be that adding the slider and mirror would still be well below a grand, so I don't think I'd involve the insurance. I'd try to get everything paid by the driver at fault, but even if he can't or doesn't want to pay, I'd still replace everything on the bike to make it whole again.
You could make a formal claim so insurance tries to collect from the other party, but since they wouldn't have to pay anything, they usually don't do crap. And you'd end up with nothing from them except a claim on your record, which is never good, even when not at fault. Unfortunately, the bar for best insurance rates if if you had no claims. Even claims at no-fault still count as claims; don't ask me how I know.
Finally, my bike was also hit from behind, but while parked. Fortunately, it didn't fall because the front tire was against the curb. The truck only hit the taillight. It was a poor elderly guy. He had insurance, and I wrote all the info, in case the steering stop broke, or something, but since after a thorough inspection that wasn't the case, I just ate the $60 for a like-new used taillight, and replaced it myself. Good luck.
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Post by thefinn on Aug 2, 2020 12:35:13 GMT -7
I have to agree on checking the exhaust pipe thoroughly, maybe even bring it in to a garage for a checkup. The exhaust is in no way designed to handle torque like that.
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Post by RedAndBlack on Aug 2, 2020 18:08:35 GMT -7
Just a general note, if you ever get into an accident with somebody without a license or insurance, call the police. At the very least you're getting a police report out of it.
Likely You're not going to see a dime from this guy. Your own insurance may very well screw you if this guy plays ignorant or doesn't respond.
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slangblades
Junior Member
Posts: 91
Likes: 19
Registered: Jun 8, 2020 19:20:50 GMT -7
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Post by slangblades on Aug 2, 2020 23:53:37 GMT -7
Just a general note, if you ever get into an accident with somebody without a license or insurance, call the police. At the very least you're getting a police report out of it. Likely You're not going to see a dime from this guy. Your own insurance may very well screw you if this guy plays ignorant or doesn't respond. Yeah man, as stated, first thing I did was call a police officer who took a report when he arrived at the scene. Couldn't just take the guys word for it. I inspected the exhaust thoroughly and cannot see any damage. The exhaust moves very little like I said, but only the actual slip on part of it. And again just barely moves... It feels stable on there and only moves about a quarter of an inch. Doesn't feel loose or broken.... Can anyone see on their bike if it moves a little bit? I cant find any mt-10s for sale in my area or id go and check one out to see if its normal for it to have a little movement. I may just ask the guy to replace the mirror and frame slider
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Post by evitzee on Aug 6, 2020 9:07:57 GMT -7
There should be almost no movement of the exhaust system. It's possible a bolt or bracket was broken or bent in the mishap. Check all those connections and parts to make sure they are tight.
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slangblades
Junior Member
Posts: 91
Likes: 19
Registered: Jun 8, 2020 19:20:50 GMT -7
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Post by slangblades on Aug 27, 2020 2:13:36 GMT -7
I got a call today that my insurance is going to cover all the damage on the bike. The only damage on the bike is tiny scratches that are not noticeable on the left mirror, left bar end and a left front turn signal. And then the exhaust wobble. They're also going to replace my helmet and frame sliders. If I take it to a shop they're going to replace everything that was damaged. I kind of prefer they only replace or fix the exhaust and leave everything else untouched. Am I right to be a little worried about leaving it in the shop? She has no scratches apart from the bar end. I don't consider the tiny scratches on the other parts I mentioned as scratches because they're so tiny and also it's on plastic. I am considering telling my insurance if they'll just give me the parts including the bar and I'll just do the work myself minus the exhaust.
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blakbear
New Member
Posts: 28
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Registered: May 31, 2018 19:47:07 GMT -7
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Post by blakbear on Sept 5, 2020 13:37:28 GMT -7
I got a call today that my insurance is going to cover all the damage on the bike. The only damage on the bike is tiny scratches that are not noticeable on the left mirror, left bar end and a left front turn signal. And then the exhaust wobble. They're also going to replace my helmet and frame sliders. If I take it to a shop they're going to replace everything that was damaged. I kind of prefer they only replace or fix the exhaust and leave everything else untouched. Am I right to be a little worried about leaving it in the shop? She has no scratches apart from the bar end. I don't consider the tiny scratches on the other parts I mentioned as scratches because they're so tiny and also it's on plastic. I am considering telling my insurance if they'll just give me the parts including the bar and I'll just do the work myself minus the exhaust. Just a heads up, i am a damage appraiser for insurance, minor damage doesnt mean minor pay out, the bar end and mirror have to be replaced, as well as the slip on exhaust, very likely it may need the headers as they are likely bent. even if its a small scratch on the exchaust it has to be replaced, as it needs to be returned to pre accident condition. As long as it goes over your deductible, which i think it will regardless of stock or AM exhaust. they will go after the at fault party for payment. and once recouped pay you your deductible back. Whether or not they ever collect from the guy is a different story, as that may be why he has no insurance or license in the first place.
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slangblades
Junior Member
Posts: 91
Likes: 19
Registered: Jun 8, 2020 19:20:50 GMT -7
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Post by slangblades on Sept 7, 2020 6:18:45 GMT -7
I got a call today that my insurance is going to cover all the damage on the bike. The only damage on the bike is tiny scratches that are not noticeable on the left mirror, left bar end and a left front turn signal. And then the exhaust wobble. They're also going to replace my helmet and frame sliders. If I take it to a shop they're going to replace everything that was damaged. I kind of prefer they only replace or fix the exhaust and leave everything else untouched. Am I right to be a little worried about leaving it in the shop? She has no scratches apart from the bar end. I don't consider the tiny scratches on the other parts I mentioned as scratches because they're so tiny and also it's on plastic. I am considering telling my insurance if they'll just give me the parts including the bar and I'll just do the work myself minus the exhaust. Just a heads up, i am a damage appraiser for insurance, minor damage doesnt mean minor pay out, the bar end and mirror have to be replaced, as well as the slip on exhaust, very likely it may need the headers as they are likely bent. even if its a small scratch on the exchaust it has to be replaced, as it needs to be returned to pre accident condition. As long as it goes over your deductible, which i think it will regardless of stock or AM exhaust. they will go after the at fault party for payment. and once recouped pay you your deductible back. Whether or not they ever collect from the guy is a different story, as that may be why he has no insurance or license in the first place. I actually got paid about 4 days ago because they deduced that I was not at fault. They gave me 1000 to cover the exhaust work and parts and 700 to cover my helmet and frame sliders. I thought about that too. The fact that I'll have to replace the bar end and turn signal as well as the mirror. It didn't quite seem like enough but the insurance person told me that if the damage exceeds a thousand when I take it to the shop, to have the shop call them and that they will cover the rest once they've been contacted. Part of me just wants to pocket the 1700 and use it towards gear. In the near future I would like to get another exhaust so if I'm going to replace it maybe it's not so important to have them fix the very small wobble that the bike now has on the slip-on part of the exhaust.
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Post by willl84 on Sept 8, 2020 8:52:50 GMT -7
Not sure whether you had an FZ or MT but if it was the MT with the LED signals they're EXPENSIVE - like $180 each from Yamaha expensive. One was broken on mine when I bought it so the dealer got a new one and shipped it to me along with the invoice. Holy crap lol
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