Topic: 1975 CB750 K5 "Rhonda the Honda"

[Stev-o]

Don't be too hasty to do that. If it's "your" insurance you may need to. But if you have the culprit's info, it's "on them" to satisfy you. And your time has a value in the settlement.

You needn't be a prick with them, but it is your inconvenience and your property. Don't lose sight of that.

+1....don't offer to do the work, they need to pay for parts and labor to make it right. 

[RAFster122s]

+2
Find out if you can navigate the hoops of retitling after inspections with salvaged title...and insure it.  If so, you don't plan to sell Rhonda, then buy it back and put it back on road or buy another frame and tank and other parts to rebuild on a different frame that can be legal.  Or replace parts and pickup a backup bike for Rhonda...
David

Don't be too hasty to do that. If it's "your" insurance you may need to. But if you have the culprit's info, it's "on them" to satisfy you. And your time has a value in the settlement.

You needn't be a prick with them, but it is your inconvenience and your property. Don't lose sight of that.

+1....don't offer to do the work, they need to pay for parts and labor to make it right. 

[SOHC4 Cafe Racer Fan]

Buying back you bike if it's totaled can be a good option, especially if they are undervaluing it and it has good usable parts.  It your title is salvaged, you should get another title frame and swap over your parts.  It will never hold the same value.

[evanphi]

Yeah the process is different here in Canada. This will all be a learning experience!

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[evanphi]

Well I've hit the first wall with insurance... They consider it a total loss.

Now the fight begins, starting with getting this person to pick up their damn phone!

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[RAFster122s]

Sorry to hear that Evan.  Go take possession of the bike if it is not at your house get it there.  Being out of your control it can go get crushed or just disappear by some other insurance company mechanism that kicks into gear unknowingly by the guy who is dealing with it on the claim...

Here in TN they will not allow you to consider rebuilding with salvage title any car over 10 years old.  I think there is also a mileage. My mother lost her '00 Subaru Outback LL Bean wagon to another driver pulling out on her at a red light causing the airbags to deploy.  Both front airbags cost alone totalled the car, they gave her over 4k for it as it was a total cream puff condition immaculate inside and out.

David

[evanphi]

Yep I have it at my house now. Likely won't be leaving again until I do the work...

And that's the worst of it. It is rideable. It isn't destroyed.

But I can't ride it.

[RAFster122s]

Time for a vacation into Maine or points further south into the US to pick up a replacement frame shipped there so you can be a transplant surgeon.  Then Rhonda's souls and components can get a new skeleton and tank, etc for the money they are going to give you.

Sad thing is the frame is still good as are most of the other things as you say...
Now, fight to get a good price for her as you will need to be adequately compensated to be as if you would need to buy another bike.
You have a winter project now, like it or not.

The old frame could be a track bike frame, they do not need titled.

Time to find out the hoops for importing a frame from the US into Canada.  Surely someone knows someone in Maine or other nearby state to serve as a shipment point for a frame into a location you can reach in a mini vacation.  Someone posted a VIN lookup recently to check if you can buy a frame and have it reach.

[Stev-o]

You dont need another frame [unless bent]

You have a list of parts needed?

[RAFster122s]

Unless he can salvage title it, then he will not be able to get plates and register it again since insurance is totalling the bike and submiting the title back to the state branded as a salvage bike...or destroyed.
David

[evanphi]

[SOHC4 Cafe Racer Fan]

Oh the moral dilemma.  Should I be a decent human being or should I be an a$$?  WTF?!   

[evanphi]

Yeah at least she came in and told management and then stuck around.

[RAFster122s]

It is good she was a decent human about having stopped and reported it and faced the music with insurance on it.  These days so many people simply are not going to do it.  They are going to see if their car was damaged or skip that until they are elsewhere and back up, correct their track out and leave.  If their vehicle is not damaged very much if at all, then many times I have heard of people skipping on parking lot accidents like this. 

You are fortunate to have a camera that had captured this event.  No denying it and clearly she was at fault...was almost textbook camera placement for capturing it crystal clear being directly in front of the camera.

It hurts to watch it, knowing the outcome makes it even  worse.

Have you posted some wanted requests for a clean frame here and other places and began looking on kijii? For a bike or frame?  Or however the kijii site is spelled/named.  Wonder if a wanted ad could be put in AMA's magazine and site free by a member broadening your search for you.

David

[evanphi]

Still currently #$%*ed.

They aren't going to let me do the repairs myself. They are only willing to give me about 2000 CAD for the bike, even after providing receipts for all the things like exhaust, etc. Buying it back seems to be the only option at this point, but they're delaying getting me info for the salvage company.

I also asked if I could take it to another shop for a second opinion and they said that I cannot.

[Gene]

Still currently #$%*ed.

They aren't going to let me do the repairs myself. They are only willing to give me about 2000 CAD for the bike, even after providing receipts for all the things like exhaust, etc. Buying it back seems to be the only option at this point, but they're delaying getting me info for the salvage company.

I also asked if I could take it to another shop for a second opinion and they said that I cannot.

That is sh*tty. You MUST have insurance, we are told, but they will f*ck you if they can.

[RAFster122s]

You could sue them in court.
But, you would have to prove that it is undervalued.  Would have to be small claims court where you could represent yourself.

Insurance companies suck no matter where you are.
Rates go up everywhere when they pay out in natural disasters while they maintain their profit levels.  Rigged system and allowed to be legal theives.

[Stev-o]

They are only willing to give me about 2000 CAD for the bike, even after providing receipts for all the things like exhaust

Did you provide them "comps" - other bikes in similar cond that are currently for sale or have sold?

Do an advanced ebay search for sold K3's-K6's.

Insurance co dont make it easy, sometimes you have to do the leg work.

I know 2 guys that had similar circumstances and things worked out for them but it was not easy.

[RAFster122s]

Last time I had a claim like that it was on a car my daughter totaled hitting a truck missing the bumper of the car.  Hood, grill, headlight, headlight surrounds and minor damage to panel below hood in front of radiator...they offered less than $750 for a car that was 14 years old. I had an interior door panel off for a repair to wiring and the car was dirty.  Told them to go stuff themselves and withdrew the claim. Went to salvage yard and replaced hood for $100 and new aftermarket grill, headlamps, and reflector/turn lenses for $240 and bent panel back into place... other than the miscolored hood, no major tells.  Car was sideswiped by a lady who sideswipped two cars at once trying to split the middle at a traffic light they woke up to fact they needed to stop too late.  They gave uus $1400 for the damage and did not try to total it.  So, insurance companies suck!
 They are merely trying to minimize their losses anyway they can, even when dealing with their own policy holders.
So, how does a car that is worth $750 go to be worth more than $1400 ( with no attempt to total it) when valued by another insurance company? 
Adjusters income must be tied to how wellthey minimize payout at some companies...

[evanphi]

They are only willing to give me about 2000 CAD for the bike, even after providing receipts for all the things like exhaust

Did you provide them "comps" - other bikes in similar cond that are currently for sale or have sold?

Do an advanced ebay search for sold K3's-K6's.

Insurance co dont make it easy, sometimes you have to do the leg work.

I know 2 guys that had similar circumstances and things worked out for them but it was not easy.

I tried doing this, but there are none in Canada. They will only accept them from Ontario and the Maritime provinces. I gave them three listings on eBay for equal or lesser quality bikes that sold at much higher value over the past month in the USA, but they wouldn't take them.

Update today... Last night I wrote my broker a pleading email about how disappointed I am with their insurance company. Now they are stepping to the plate for me. Which is nice. My broker's owner?/manager is in contact with the insurance company to hopefully reverse their decision to write it off and get me at least a couple hundred dollars to do the required repairs for road-worthiness, then I can work on cosmetics over the winter.

[Gene]

Squeaky wheel approach does work. Good for you. Hope it works out.

[RAFster122s]

Would not hurt to beat on insurance directly as well... look for additional examples anywhere you can find them.  When I had a car they wanted to undervalue they provided examples in region and many were clearly beat examples.  The people doing claims and the write off area are very thick skinned to survive and ignore as much as possible, it never hurts to try and wear them down.

[evanphi]

The saga resolves! Got about 1000$ for parts and my time, and I get to keep the bike. Just have to take the bike to a dealership to have it re-certified for the road, and re-registered.

Parts are coming in the mail right now!

[Stev-o]

Good news!  What parts?  You can rebuild her better than she was....

[Gene]

Sweet.