Insurance made an offer.. worth it?

[motohillbilly]

Tere is a pic of my gy2 down the page. I think it held up well..... better than me . Well my left wrist is broke. She was drunk and very insured. I feellike I got hit bu a truck.


Update They will sell it back to me for 500. Is it worth it. Other wise i get 1200 for it?

[kczukiman]

I sent you a pm of my email adress to post for ya

[madmanjustice]

sure you can email it to me at madmanjustice @ gmail.com

[madmanjustice]

wow, same time post!

[motohillbilly]

sent it mad man

[panamarandy]

sure, send it...

[madmanjustice]

and here is the pic... two words...

HOLY COW 8O 8O 8O 8O 8O

http://img.photobucket.com/albums/v359/darklurkeroftruth/roketa/wreck.jpg

[kczukiman]

Dang thats one h-ll of a hood ornimant.

[motohillbilly]

I didnt see it in person. I took a ride in a big shinny ambulance.

I'd say it held up pretty well. actually gives me a bit more confidence in my frame.

get well man.

[SpeedSouth]

Looks like she soaked some of that impact for you...better the bike wedged in there instead of you! 8O

Thanks for sharing the picture. I'm sure it's a healthy reminder for everyone.



Mend up soon....I believe you have a new girl waiting. :)

[PorterzCustomz]

I bet I know what happened.. That's a GY2.. He prolly had the stock sprocket and could not go over 40mph on the main road so cars where gettin pissed and ridin his ass to get him to get the hell off the road or drive at a normal speed (I know what its like) he went to slow down quick to turn and POOF! AL should be sued for the gearing issue, very unsafe, half jokin half serious.. Hope he did not get too hurt, wounder if he had a helmet on. Where is the story to what really happened????

[DirtRoadKing]

Thanks for the pic. Hope you get well and get on your new one soon.

[SpeedSouth]

Portez,

http://www.chinariders.net/modules.php?name=Forums&file=viewtopic&t=3937

[madmanjustice]

well, looking on the bright side, you're OK, a little beat up, but OK.

The other driver was clearly at fault, and i'll say this now. get a lawyer. Make sure that you, your med bills and your family are taken care of.

Ok, that was the serious part.

Now the not so serious part. The frame, rear wheel and swingarm on that bike are probably shot. IF the frame is bent, the Insurance company will total it. And since its pretty much brand new and you have all the papers, they should be buying you a shiney new one.

Now another thing you can do if they total the bike, is buy it back from the insuance co. This should be pretty cheap and what they would do is take the buy back amount out of the settlement.

Example - they are going to settle on the bike for $1000, you can buy back the wreck for $50, they would give you the bike and a check for $950 (my grandmother did this when she had a minor accident in her car, ins said totaled because of the age of car. she bought the car back from the ins co for $46 and got it fixed)

You could then part out whats left of the bike or keep it for spares.

Anyway, talk to a lawyer and get well soon.

[Skip_200gy]

Damn, I hate seeing stuff like this.
Glad you're OK though.

Any pictures of yourself?

[elroyjetsn]

We should make that the cover photo on the biker's campaign against CPD!!! :evil: "Cell Phone Driving"

[Skip_200gy]

Don't you guys get hefty fines if caught driving while talking on your cell?
In SA you get a huge fine if caught.

[PorterzCustomz]

We should make that the cover photo on the biker's campaign against CPD!!! :evil: "Cell Phone Driving"

yea and he could be a posterchild for why you should wear a helmet he got lucky with just a big lump on his head. He was going to buy a GY5 from his buddies at ATVD but then realized that they "dident have any left in stock" :wink: Maybe they could sell him the one they use for the photo shoot for their ads on ebay. It's too bad he could not cash in on the propaganda he puts out for them, he deserves something for putting his ass on the line. 8O

[PorterzCustomz]

Don't you guys get hefty fines if caught driving while talking on your cell?
In SA you get a huge fine if caught.

Well.. not really it all depends on who you are, if your a cop your automatically above the law so you can talk on them and drive all you want. You can also drive as fast and reckless as you wish and don't need to wear a seatbelt. If you feel like target practice or shooting someone thats fine as long as you say you felt threatened! After the shooting if there is any doubt by the public you will be eligible for a paid vacation while your peers "investigate" and decide in your favor! You just have to remember them when they go on paid vacation, I mean leave.

[motohillbilly]

Portez I new you were an idiot but wishing injury on someone is just proof of your character.

[red2003]

Portez I new you were an idiot but wishing injury on someone is just proof of your character.

..or lack there of!

[kczukiman]

PorterzCustomz,Don't you think that its about time to move on with the ATV-D thing?Its been cused and descused.Mistakes were made on all parts including by you.
No matter what our opinions are about a fellow member I don't belive in kicking someone when their down.

[PorterzCustomz]

Portez I new you were an idiot but wishing injury on someone is just proof of your character.

Wishing injury on you? What the heck ru talking about!? Ease off on the morphine, I never said I wished you got hurt or anything like that. Don't put words in my mouth and lets not talk about character, I have already exposed your character in my other posts with you suggesting people get riped off from ATVD is just one of many parts of yours. I do choose my battles and letting people get riped off and then promoting it is sick. Someone that does not wear a helmet on a main road driving tiny china bike that people wont pay attn to is pretty dumb and most would agree. Just because I say you should wear a helmet does not mean I want you to get hurt, if I did I would just say go for it. I stand behind my ideas, I don't kiss ass.. sorry.

[SpeedSouth]

Don't you guys get hefty fines if caught driving while talking on your cell?
In SA you get a huge fine if caught.

I can't speak for other places, but nothing happens around here. I've been out and seen what looks to be 3 out of every 4 drivers on their damn phones :twisted:

Cell phones are the most common distraction, but there's other stuff. Like women and their make-up. I was behind a woman a few days ago who moved her mirror to put on her make-up....then not 1 minute later she moves over a lane right into the path of a big truck, who then had to lock up and try to avoid hitting the stupid woman.

A part of me wanted to see her get smashed into bits, but then that isn't fair to the truck driver. It's not his fault that woman was so ugly she has to hide behind a mask...hehe

[frostbite]

Porterz et al: Back on topic please.

[Skip_200gy]

The accident seemed to have happened in the yellow lane. Is a yellow lane also like an emergency lane on your roads?
I'm trying to understand why it seems that he was hit from behind, while almost parked next to the road.

[Death85e]

Porterz as a volunteer firefighter/Vehicle extracation professional i have to say that 85% of the posts that you put in these forums are simply posted as a lack of regard to your fellow riders and your ignorance as to the actual facts of any situation that the current topic is related to. IMO you prefer to antagonize people or put them down whenever you get the chance and i'm not really sure that China riders is the proper site for you to be on.....just my opinion....however cell phones and alcohol are 2 of the most common reasons that i have to do my job in this big bad world....i am greatly thankful that the rider of the motorcycle is breathing and able to post with us today as opposed to the alternative of a body bag and the family being told that your husband , brother , son ....etc...etc ... will not be coming home tonight. Just my opinion and my 2 cents worth.

[Death85e]

Also i would like to apologize to Frostbite and all of the other members of ChinaRiders for my own steps off topic....just needed to vent my annoyance. :evil:

[red2003]

Porterz as a volunteer firefighter/Vehicle extracation professional i have to say that 85% of the posts that you put in these forums are simply posted as a lack of regard to your fellow riders and your ignorance as to the actual facts of any situation that the current topic is related to. IMO you prefer to antagonize people or put them down whenever you get the chance and i'm not really sure that China riders is the proper site for you to be on.....just my opinion....however cell phones and alcohol are 2 of the most common reasons that i have to do my job in this big bad world....i am greatly thankful that the rider of the motorcycle is breathing and able to post with us today as opposed to the alternative of a body bag and the family being told that your husband , brother , son ....etc...etc ... will not be coming home tonight. Just my opinion and my 2 cents worth.

That is probably the most intellegent, thoughtful, and appropriate post I have read on an online forum in years. Thank you.

[Death85e]

Your Welcome Red2003.

[driller]

Death, thank you for your eloquence, I wouldn't have been as polite and it had more impact the way you stated it.

Again, many thanks :)

[AZ200cc]

Just seeing that pic is scary, You are so lucky that You walked away.
Heal fast man and I hope You don't have to fight for years with her insurance company.

[PorterzCustomz]

Your Welcome Red2003.

Apparently you are brand new to this site, motohillbilly supports and encourages a company that is well known to take hard working people's money and scam them out of it. If you ordered a new bike and paid alot of money and they screwed you and your son or daughter did not get the bike you paid for you would understand why I am upset. You made a good point about ignorance because you are new to the site and you do not know the history behind certain members and why they are treated the way they are.

If someone assassinated president bush you may feel bad for him and say how sad it is and that would be out of ignorance because you have no idea who he really is and what he has done. This guy knows all about the scams that his buddies at ATVD pull off on a daily basis, he still promotes them so that new people can be taken advantage of and he gets rewarded. I don't want to get off topic, in fact I don't like to reply but the ignorance is just overwhelming. I have been a victim of his buddies and maybe you wouldn't understand untill you experience it yourself.

The reason I commented in the first place is because he made another comment about them on this thread and I did not intend for people to get off topic and respond but that happens to much here. You should not give your opinion if you don't know the facts.

[usmc-mustang]

Porterz et al: Back on topic please.

[motohillbilly]

This site needs an ignore user button!!!

[Kawazacky]

I'm biting my tongue . . . nobody encourage me!

.................
............................................
:evil:

[AZ200cc]

This site needs an ignore user button!!!

If it goes to far, People get FROSTBITTEN :lol:

[bronevaya]

looks like there are still a lot of good parts on there. let us know if you decide to part out!!

[motohillbilly]

I kinda have a bad taste in my mouth over this bike. I guess it just the fact that I went down with it. If some one wants it PM me and when it comes up for sale with the insurance company i will go down the list in the order I recieve the pms. Dont send an offer. I will sell it to the first one in line that wants to pay the ins co price plus freight.

[bronevaya]

I dont want the whole thing, so whoever buys it and decides its not worth fixing up let me/us know

[kczukiman]

I kinda have a bad taste in my mouth over this bike. I guess it just the fact that I went down with it. If some one wants it PM me and when it comes up for sale with the insurance company i will go down the list in the order I recieve the pms. Dont send an offer. I will sell it to the first one in line that wants to pay the ins co price plus freight.

Thats a nice gesture. :wink:

[katoranger]

Where are you at? It would be beneficial to alot of use to have some parts access if one of the members here could pick it up and part it out.

Allen

[motohillbilly]

Im about 10 miles west of Ft Worth texas

[katoranger]

Glad to hear that you will be okay.

Slight OT, but there is a deal brewing in TX if someone can help get this bike to donate some parts for the greater good.

Allen

[Death85e]

Death, thank you for your eloquence, I wouldn't have been as polite and it had more impact the way you stated it.

Again, many thanks :) Just stating my oppinion and trying to do so with a civil tongue and well thought out response. You are very welcome Driller.

[culcune]

She was drunk

I just caught this!

Don't they shoot drunk drivers in Texas?! :? :twisted:

[Death85e]

If they dont they should start! :twisted:

[Jim]

First and foremost, motohillbilly, glad you aren't hurt to seriously, and hopefully you have a speedy recovery.

@all about the cell phones... didn't I read he said the driver was drunk? why is no one jumping on that? It's ok if the beer isn't put down as long as the cell phone was? I seem to be in the minority about the cell phone issue. I don't think they should be banned, I don't like cell phones at the same time though. I use my cell phone while driving because it is part of my job, and it does not distract me, the conversation is simply lower on the list of concentration... Some people can't drive with or without the phone.

@Portez... We all know you were screwed by atvd, you have at least 2 threads on this topic all ready, this thread is not about you, it is not about atvd, and I don't think that anyone reading this topic is really interested in your plight right now, stop trying to kick the man who was just run over by a car.

that is the problem with boozing and driving. you can do it just fine (if you're a practiced drunk) until an emergency happens and then your impaired reflexes and/or judgment screw everything up.

I am ashamed to say that it took me going to jail to really take the whole drink and drive issue seriously. There was a time when I was so selfish and self-destructive that I could care less. I guess I was fortunate to live in a small town where there is virtually no traffic at 3am.

Now I know better but I think there is still an albatross around my neck. I'm pretty sure my recent driving record played a part in my getting screwed.

sorry for hijacking this thread, just got off on a rant. :oops:

[knothead]

motohillbilly,

Glad you're alive! That really, really sucks!
I hope you heal quickly... now for the preachy part... buy some freaking gear! Wrecks happen fast and now you know that you are truly at the mercy of the forces involved. Not much would have saved you wrist, but the knock on the head and road rash probably would have been a non issue with a helmet, jacket and gloves. It takes so little to do permanent damage to the brain and a helmet is cheaper than a lifetime of diapers!

[SpeedSouth]

I just wanted to post this link - http://nwfdailynews.emeraldcoastphotoswest.com/mycapture/folder.asp?event=496996

My sister sent it to me, knowing nothing about Moto's experience. I thought others would be interested.

[motohillbilly]

For $500 buy back I may not take it what do you guys think?

[kczukiman]

For $500 buy back I may not take it what do you guys think?

I think 700.00and you keep the bike would be better....

[AZ200cc]

You might be able to part it out for that much....I'd take the money and run though.

[motohillbilly]

Thats the deal 1200 cash they scrap it
700 cash and I keep it.

[katoranger]

$1000 cash and you keep the bike would be more realistic. That would be more of a win win for both as the insurance company won't get much more than $100 scrap value for it.

Allen

[culcune]

Having lived in California, land of the mega-lawsuits (and the greedy, spineless, yes, I could go on, but you get the picture) lawyers that file them would have a field day with this. You would be looking at a total compensation in the high 5/low 6 due to you being injured. However, it would take a while to get that money, due to your lawyer trying to make your hill into a mountain.

My suggestion is to start at $1200 plus the bike--you could/should hint about a lawyer, i.e. "well....I don't think that $700 + a parts bike is that good........I spoke to my friend's brother, a lawyer, who was thinking....." You are not being dishonest, because there is probably a lawyer somewhere among your friends, and they would drool to have an open/shut case like this--you should be getting my drift :wink: Insurance companies settle for millions and millions of dollars monthly--a piddly $500 more is nothing to them, to keep you away from a scum lawyer. If I had hit you, and didn't have insurance, I would be bowing down to you for not having sued me, and would gladly give you the parts bike, your new bike, and medical bills paid (maybe not in one lump sum, but this part of the settlement, $1200, would be gladly given to you--the insurance company can too!)

It's like that stupid "Priceline, Negotiator" commercial with Captain Kirk saving the guy from paying too much on a hotel room, calling him a pansy, and cupcake for negotiating too low (hopefully more of you than not have seen it, so this has some effect!). Think of me as Captain Kirk, and get back in there; weasel them and bluff and negotiate for at least $1k + the bike (and I do hope they bought the new GY-5 for you or I am kicking some A$% for you!)

[katoranger]

You need to make it sound like you are doing them a favor by taking the bike off their hands and the hint of the lawyer will help.

Since you bike was essentially new yet the first off was not very good.

That bike really only has value to a small group of people (US here) and not to the typical insurance auction buyer. If they don't have to transport it anywhere it will save them time and money.

The full $1200 plus the bike is the best deal.

Allen

[SpeedSouth]

I am not experienced in these matters, but I was under the impression the offer is for the bike alone, and not an attempt to settle for the personal injury?

I hope that's the case. My buddy got $6-7k for his busted leg.


But, as I say...I'm not experienced personally, and I'm in a different state. Best of luck....and fight for every penny you can get. I have no love for insurance companies. 8O

[katoranger]

I think that he is dealing for the bike, but it doesn't hurt to suggest a lawyer.

Usually in the case like this you have two claims. One for the vehicle and one for the injuries.

Allen

[motohillbilly]

I have employed a lawyer.He says i should be several hundred thousand richer by the end of this. This settlement is just for the bike. Injury and punitive damages are seperate.

[katoranger]

I would go for the full amount plus the bike then.

Allen

[Cal25]

I think I would just run it by your lawyer. He will have the most experiance on what should be expected. I think at this point I would let them keep the bike unless they offer it for quite a bit less.

[culcune]

Plus, think about how much they are saving (you are saving them :wink: ) that she hit this bike over a much more expensive bike, or a car. I was under the impression that you get your vehicle for 10% of the value (i.e. $1200 bike should only cost you $120). Even if the 10% deal is what your own insurance company offers you, another party's insurance should not even blink at the (alleged) MSRP that some of these sites claim, i.e. Hooperimports has the GY-2 at $2199--the insurance company should not be reaping the rewards of a deal that you got, especially as the bike was brand new!

http://www.hooperimports.com/dept.aspx?dept_id=19

Print and show them other sites' MSRP's for the GY-2, too.

[SpeedSouth]

Yes, if I were told I to expect that kind of money, then I don't really think the bike would matter too much to me. :)

If you're willing to keep it and part it out for the guys here, it would be a nice gesture...and you could basically accept any deal that allows you to do that.

But I'll still say...take all you can get! (and make that lawyer earn his cut!)

[knothead]

I just wonder if there is anything worth salvaging one you get past the forks. That had to be a hard lick, did it push the swingarm into the back of the engine case? (there's only about 1/4" between them, on my Lifan anyway), how about the internals... crank, gears etc... could have been bent in the impact. Not saying it is, but things tend to give way under that kind of stress.

But I don't think $1200 is enough, I'd go for every dime I had in it and just skip keeping the bike. I darn sure wouldn't give them $500 for it!

You've done the right thing by lawyering up, I'd have NO mercy after getting hit by a darn drunk! :twisted:

[motohillbilly]

I think with a new swingarm, and maybe a wheel the bike would be ok. The tail piece behind the seat is trashed. Motor is fine tank is fine electronics are fine bars are fine controls are fine. Its the swingarm . I think the lower frame is ok too.

[rob6262]

Motohillbilly,

I'm an adjuster in Houston, and have a few questions. Did the insurance company explain how they got the the value of your bike? There is no way they will get $500 in salvage for the bike at auction. I know the china bikes are cheap, but you did assemble and license it correct?
The real big deal is that the driver was drunk. This opens all kinds of problems for the insurance company, as they are responsible for punitive damages. I would take the offer and let them retain salvage. You will be way ahead after punitive damages are paid.

Rob

I know it's easy to get all wound up when ya start thiking about Lawyers,Lawsuits,And dollar signs!

Insurance is in place so we can get back what we lost!

I think I would be happy with a return of my full purchase price!!

Not, Money plus the bike! You had one new bike when it happend,You should have one new bike when it's over.....

As far as pain and suffering and the like, Priceless!!!! Get all you can...