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
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.
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.
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