I have experience from when my ZX11 got totaled. The insurance company was willing to pay to have it fixed (i.e., not declare it totaled) and a good Kawasaki dealer was more than willing and able to do the work.

I decided to have them declare it totaled, and they paid me $1,600. That got me a salvage title, which I sold to a friend for $2,000, so I got $3,600 for it. Which is less than 1/5th what I had into it. I could have gotten maybe $4,300 in payment if I had not requested salvage rights.

They only valued a bike that cost about $10,000 new (and was 3 years old) and had at least $5,000 of mods (I paid only dealer costs, the dealer was a friend) at $4,300. Thats how insurance companies do it in the real world.

He rebuilt it using all OEM parts, and I declined to buy it back, so he sold it for $5,000. Took him about 2 days after the adv. showed up in the paper for someone to bring him cash.

If you let the insurance company total it, you can forget about getting paid for all the stuff you added to it.

In fact, unless your policy has riders covering modifications, the insurance company won't pay to have the bike repaired except to OEM stock configuration.

I know this because I've been there, done that, and the rules have actually gotten more strict since the early 1990s.

Sorry, man. But you could end up with a nicely repaired bike and then reuse any modifications that survived the crash yourself. I'm sure whomever does the work (you can do it yourself, probably, if you want, insurance companies like that option) would be happy to set aside undamaged widgets for you to pick up.

* Last updated by: privateer on 8/13/2011 @ 3:32 PM *

Adjuster said bike might end up totalled. They will pay me NADA for it plus the assessories which were damaged. Hard to believe I might not be a zx14 owner much longer.

I might have a bunch of hardly used parts to sell...

Well, if insurance will pay for the accessories, go for it! Get as much as you can. Pay it off. By a C14. LOL

* Last updated by: privateer on 8/15/2011 @ 2:46 PM *

NOT! lol

Glad your still with us brother!

Get better soon

Hang onto that sense of humor.

Damn edge, I just now seen this! Glad that you are okay and only a broken wrist. I see that your accident was almost 2 months to the day of mine. Hang in there and heal up, in the mean time I hope all works out with the insurance company. If you are going to part it out, let us know. I'm sure some of us will buy the good stuff from you. Later, Bears

Adjuster said bike might end up totalled. They will pay me NADA for it plus the assessories which were damaged. Hard to believe I might not be a zx14 owner much longer.

--------------------------------------------------------------------------------

I'm uncertain what I will do atm. I have so much going on atm getting a replacement is not a priority (which seems very odd to me). We'll see what's happening by next spring. I'm really shocked at how little I actually care about this bike. It just doesn't make sense. I loved riding it. Definitely sucks having to get around in a cage and see bikes rollin around. Atm I guess I just have too much on my plate. Just want to move on. The need will come back like it always does, and by that time hopefully my credit will be worth more and I can get something newer. I think a lot of my hesitation is going through the whole financing BS again...

I definitely will miss all you guys in the meantime.

I definitely will miss all you guys in the meantime.

Who says you gotta go?
They couldn't get rid of me when I grenaded my '06.

How's Chitty Chitty Bang Bang coming along anyhow? Even after all the BS and cussing, I'm so glad I bought my camper... been using it nearly every weekend. Now I just wish I'd picked it up years ago... Will be especially nice to have this winter when there is snow in the hills.

This is us in Pentwater,MI. If look real close you can see the Speed Beagle standing on the counter. hehe

It gets better every week. I'm in the process of overhauling the battery bay to fit two 6V golf car batts to use as the house battery. Gonna make it taller then paint it with POR51 to keep it from rusting. But this thing has been occupying every free second of my day since I bought it. We've been out every weekend since then too! It makes my wife so happy to actually do something fun on weekends. The hard part is finding a good campground and then having the weather cooperate. Rain last three... but still nice to get away. Just need to find some good places to camp and fish now. But yeah, it's takin a lot of my time trying to get all the little things fixed on it especially with one hand tied behind my back. At least the motorcycle trailer I bought isn't a priority anymore. lol
It's an oldee but a goodee. And lots of ways to customize it which is right up my alley. We just bought a bloody shower curtain and a skelton TP holder for the bathroom. Yeah, we're freaks.

* Last updated by: Edgecrusher on 8/17/2011 @ 12:21 PM *

Geez Edge...ya...you aint gotta GO anywhere.It's a shock wrecking a prized possession.You're still in shock.Your feelings are normal...just don't go overboard with 'what I have to decide'.S'all good.That new Ninja...if it really IS coming out...will be perfect for ya.Just heal up so youse can hang on to that bad girl when she gets let loose on the marketplace!

Yeah Buddy... That's a big 'un!
Couldn't get it into this spot...

Caught a few Rainbows that weekend...

Should also be a decent spot for Steelies when they are runnin'... and only about an hour from home.

Still... takin' some getting used to... I can't even get mine into some of my "old favorite" spots... I'm used to Jeep camping... and it's gonna cost me another $1500 for a hitch capable of towing my Jeep with the camper on.

NICE!!!!

Edgecrusher, I stay at KOAs a lot, and they have lots of rigs like yours. All of the spaces are easy, pull-through.

I'm really shocked at how little I actually care about this bike.

Dogo: That looks nice. We hsve a lot of good camping in Michigan too, but it's been decades since I did any serious camping so I gotta find the spots again. Really want to do some drydocking with my VW buggy(when I replace the motor) and do some two tracking. I could spend months out there and not get enough!

Privvy: Been to some KOAs too. they'r usually a good bet, but they can also be a bit uptight (here).

Blue/Cooty: Yes I'm still in shock. I got so much going on I have a hard time remembering which way is up lately. But I'll always have some sort of two wheeled rocket. I'm just puzzled at my lack of sentiment ATM because usually I obsess over my vehicle's welfare.

still no word fr the insurance co. on what they're gonnna do BTW

it's been decades since I did any serious camping

Decades?... Ain't you only 30 something. lol

Really want to do some drydocking with my VW buggy(when I replace the motor) and do some two tracking.

That sounds cool.

My woman has been following in her Jeep when we camp... but I still wanna be able to tow mine... I really don't like 4-wheelin' with just one rig... Just asking to spend a cold night on the trail.

Been to some KOAs too. they'r usually a good bet, but they can also be a bit uptight (here).

LMAO... They kick you out too???
BTW... If you become a member of Camping World, you get a 1 year membership to Good Sam for free... Don't know if CW has stores in your part of the country.

still no word fr the insurance co. on what they're gonnna do BTW

Doesn't sound like you're in a rush anyhow... When do you get the cast off?

* Last updated by: DogoZX on 8/18/2011 @ 10:17 AM *

My second appointment is Monday. For the last two days my arm has been trying to break it's way out. I got one of the thin Fiberglas casts. Sometimes it is so damn itchy, now I know what people are talking about. It's no longer clean either. I kinda gave up on that.lol Thank the gods it hasn't started to stink yet. If I get an opportunity to fish this weekend that may change!
My wrist seems OK Atm. It does get a little sore when I'm doing too much with it. Hard to tell, when the cast doesn't let me move much. The wife said the Dr could read me like a book and that's why he made the cast go just about up to my arm pit. He knew it wouldn't be long before I'd be trying to push my luck. Anyway, I'm hoping maybe they'll be generous and let me have it off after two weeks and just go with a removable splint.
I've always been a really fast healer. I'm just about indestructible so far. You can chop shit off me but I keep coming back stronger! hehe I chalk that up to my Sicilian genes. haha We're used to getting stepped on but we never give up!

I feel like Kratos in the game 'God's of War' with this damn cast on my arm. I just wanna punch a hole thru something with it.

That's not normal. is it?

LOL that game is awesome I often feel like Kratos but him at the beginning of the first one where you can F@#K the two chick’s yea that’s me young dumb and full of cum. Have fun camping (you to dogo) we can’t do that down here but for 3 months out of the year because of mosquito’s. dogos picture makes me miss Colorado.

* Last updated by: COOTER on 8/19/2011 @ 12:45 AM *

I'm driving my slow ass truck to work this morning and suddenly it hits me!

Drag bike!

haha. MF'ers. I'm back!

We'll buy 'er back (if it's worth it) and Drag 'er out. Stretch and slam. Body work is all that's totaling it out and I won't care about that with a dedicated drag bike. Just save up for race plastics. And I can take it off the streets - save money on insurance - pay most of it off - still have a kick ass way to get my jollies out on a bike - and the wife doesn't have to go grey wondering if I'm sliding down the highway again. Not to mention I can already hear myself cursing in the future about how I let that sweet ass engine go.

So I guess I better start learning to like bench racing...lol

that is if the money works out in my favor..

...and then maybe with a drag bike in the stable I won't feel like such a loser when I pick up my Harley bagger.LOL

Drag bike!