selling my 2003 klr 650, central ca

[skc4seasons]

Looking for some advice from some of you more experienced riders. Wrecked my 2009 KLR (2400 miles)couple days. Had a glancing blow with a deer on the right side at 35MPH. The bike went down and slid on the right side.After checking for broken body parts and looking at the bike I picked it up and rode it the remaing mile to work at about forty miles an hour. Couldnt tell anything wrong with the way it rode.(I was; in a slight state of shock.)The damage appears to be all cosmetic, but progressive is wanting to total the bike. The adjuster just looked at the bike and said totaled.I am thinking about a thousand dollars will replace all the broken,bent, sratched pieces. the Wheels seem to be aligned the forks do not look damaged. I Have aluminum Touring boxes on it(just the frame for the boxes were on the bike during the accident). I dont think they are offering a fair price to me for totaling the bike. I wouldnt be able to buy another one with similar milage, and Boxes.Would you try buy it back? (The settlemnet person told me 2000 to buy bike the totaled bike back)and repair it or just take the money and run?

[Jeff Saline]

skc4seasons, If I liked the bike and it was only cosmetic damage I'd probably price the parts and decide if the bike was worth it. I think if you buy the bike from the insurance company it might get a salvaged title and you might not be able to get full coverage insurance again. If the damage is more than cosmetic it would depend on what is damaged as to whether I'd further consider buying it back. This could be an opportunity to make some changes to the bike like a new fuel tank or headlight or instruments etc. I'd probably also try to talk with the adjuster to find out exactly what was recorded for damage. You description made it sound like the adjuster inspection was not detailed. Not having had to mess with an insurance company in this regard I would probably see about negotiating with them about either the value of the bike if I was buying it back or the replacement value. Heck, it only has 2,400 smiles on it. Just some quick thoughts. Best, Jeff Saline ABC # 4412 South Dakota Airmarshal Airheads Beemer Club www.airheads.org The Beautiful Black Hills of South Dakota 75 R90/6, 03 KLR650, 79 R100RT <><><><><><> <><><><><><> On Sat, 03 Apr 2010 02:51:02 -0000 "skc4seasons" writes:

> Looking for some advice from some of you more experienced riders. > Wrecked my 2009 KLR (2400 miles)couple days. Had a glancing blow > with a deer on the right side at 35MPH. The bike went down and slid > on the right side.After checking for broken body parts and looking > at the bike I picked it up and rode it the remaing mile to work at > about forty miles an hour. Couldnt tell anything wrong with the way > it rode.(I was; in a slight state of shock.)The damage appears to be > all cosmetic, but progressive is wanting to total the bike. The > adjuster just looked at the bike and said totaled.I am thinking > about a thousand dollars will replace all the broken,bent, sratched > pieces. the Wheels seem to be aligned the forks do not look damaged. > I Have aluminum Touring boxes on it(just the frame for the boxes > were on the bike during the accident). I dont think they are > offering a fair price to me for totaling the bike. I wouldnt be able > to buy another one with similar milage, and Boxes.Would you try buy > it back? (The settlemnet person told me 2000 to buy bike the totaled > bike back)and repair it or just take the money and run? > >

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[Michael Martin]

Hope you're OK. It would have been nice if the adjuster had prepared an itemized list of the parts that needed replacement. I totaled my ST1100 ten years/110,000 miles ago.  Factors that helped me decide to buy the bike back and fix it myself were: 1. The bike tracked true (I had to ride it 350 miles to get home) and ST1100s are built on a strong frame, so I was confident that all I had to deal with was replacing plastic. 2. It only cost me $1000 to buy the bike back from Progressive, since it was 9 years old at the time. 3. The title stayed in my possession, so wasn't changed to "Salvage". 4. I only had to purchase a few plastic parts since I decided to have the bike re-painted to another color.  I repaired a number of plastic parts rather than replace them. 5. I did all the work myself, except the actual painting. When it was all done, I pocketed $2000 and had a different color bike. That's how it worked out for me.  Mike Martin, Louisville, KY [b]From:[/b] skc4seasons [b]To:[/b] DSN_KLR650@yahoogroups.com [b]Sent:[/b] Fri, April 2, 2010 10:51:02 PM [b]Subject:[/b] [DSN_KLR650] Replace or Repair?   Looking for some advice from some of you more experienced riders. Wrecked my 2009 KLR (2400 miles)couple days. Had a glancing blow with a deer on the right side at 35MPH. The bike went down and slid on the right side.After checking for broken body parts and looking at the bike I picked it up and rode it the remaing mile to work at about forty miles an hour. Couldnt tell anything wrong with the way it rode.(I was; in a slight state of shock.)The damage appears to be all cosmetic, but progressive is wanting to total the bike. The adjuster just looked at the bike and said totaled.I am thinking about a thousand dollars will replace all the broken,bent, sratched pieces. the Wheels seem to be aligned the forks do not look damaged. I Have aluminum Touring boxes on it(just the frame for the boxes were on the bike during the accident). I dont think they are offering a fair price to me for totaling the bike. I wouldnt be able to buy another one with similar milage, and Boxes.Would you try buy it back? (The settlemnet person told me 2000 to buy bike the totaled bike back)and repair it or just take the money and run?

[biggranger tds.net]

I was taken out by a deer a couple of years ago while doing 60 on a dirt road. I has GMAC insurance at the time, and they covered the parts and all my gear (I begged the guy that looked at the bike to not total it out). The bike was in pretty bad shape after the accident, and better than new afterwards. I have some pictures on my Flickr account (see below). eBay is a great source of good new and used parts. http://www.flickr.com/photos/84373829@N00/ 2004 KLR-650 skc4seasons wrote:

Looking for some advice from some of you more experienced riders. Wrecked my 2009 KLR (2400 miles)couple days. Had a glancing blow with a deer on the right side at 35MPH. The bike went down and slid on the right side.After checking for broken body parts and looking at the bike I picked it up and rode it the remaing mile to work at about forty miles an hour. Couldnt tell anything wrong with the way it rode.(I was; in a slight state of shock.)The damage appears to be all cosmetic, but progressive is wanting to total the bike. The adjuster just looked at the bike and said totaled.I am thinking about a thousand dollars will replace all the broken,bent, sratched pieces. the Wheels seem to be aligned the forks do not look damaged. I Have aluminum Touring boxes on it(just the frame for the boxes were on the bike during the accident). I dont think they are offering a fair price to me for totaling the bike. I wouldnt be able to buy another one with similar milage, and Boxes.Would you try buy it back? (The settlemnet person told me 2000 to buy bike the totaled bike back)and repair it or just take the money and run? ------------------------------------ List sponsored by Dual Sport News at: www.dualsportnews.com List FAQ courtesy of Chris Krok at: www.bigcee.com/klr650faq.html Member Map at: http://www.frappr.com/dsnklr650Yahoo! Groups Links To visit your group on the web, go to: http://groups.yahoo.com/group/DSN_KLR650/ Your email settings: Individual Email | Traditional To change settings online go to: http://groups.yahoo.com/group/DSN_KLR650/join (Yahoo! ID required) To change settings via email: DSN_KLR650-digest@yahoogroups.com DSN_KLR650-fullfeatured@yahoogroups.com To unsubscribe from this group, send an email to: DSN_KLR650-unsubscribe@yahoogroups.com Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/

-- Darren Clark http://www.flickr.com/photos/84373829@N00/ 2004 KLR-650 Fowlerville, MI

[Bill]

I would drop progressive. I had an encounter with a wild boar within a month of buying my (then) brand new A15. The repair price exceeded what I paid for the bike. McGraw was the company I had at the time. They covered it, no questions asked, no raise in rates. Bill

--- In DSN_KLR650@yahoogroups.com, "skc4seasons" wrote: > > Looking for some advice from some of you more experienced riders. Wrecked my 2009 KLR (2400 miles)couple days. Had a glancing blow with a deer on the right side at 35MPH. The bike went down and slid on the right side.After checking for broken body parts and looking at the bike I picked it up and rode it the remaing mile to work at about forty miles an hour. Couldnt tell anything wrong with the way it rode.(I was; in a slight state of shock.)The damage appears to be all cosmetic, but progressive is wanting to total the bike. The adjuster just looked at the bike and said totaled.I am thinking about a thousand dollars will replace all the broken,bent, sratched pieces. the Wheels seem to be aligned the forks do not look damaged. I Have aluminum Touring boxes on it(just the frame for the boxes were on the bike during the accident). I dont think they are offering a fair price to me for totaling the bike. I wouldnt be able to buy another one with similar milage, and Boxes.Would you try buy it back? (The settlemnet person told me 2000 to buy bike the totaled bike back)and repair it or just take the money and run? >

[Jeff Khoury]

#ygrps-yiv-2040015631 p {margin:0;}I'd probably buy it back and fix it. I laid mine down at 10MPH in a slick corner.  It cost me $450.00 to fix everything. My brother bought a 2009 KLR from a motorcycle messenger who crashed his into a truck for $500.00.  He put $1,000 into it to fix it up and is back on the road.  He bought a new tank from eBay, some misc plastics and had the radiator straightened and welded at a radiator shop. I'd say you'd be better off fixing it, if you're mechanically inclined. -Jeff Khoury Astatic Solutions, LLC.

----- Original Message ----- From: "skc4seasons" To: "DSN KLR650" DSN_KLR650@yahoogroups.com> Sent: Friday, April 2, 2010 7:51:02 PM GMT -08:00 US/Canada Pacific Subject: [DSN_KLR650] Replace or Repair?   Looking for some advice from some of you more experienced riders. Wrecked my 2009 KLR (2400 miles)couple days. Had a glancing blow with a deer on the right side at 35MPH. The bike went down and slid on the right side.After checking for broken body parts and looking at the bike I picked it up and rode it the remaing mile to work at about forty miles an hour. Couldnt tell anything wrong with the way it rode.(I was; in a slight state of shock.)The damage appears to be all cosmetic, but progressive is wanting to total the bike. The adjuster just looked at the bike and said totaled.I am thinking about a thousand dollars will replace all the broken,bent, sratched pieces. the Wheels seem to be aligned the forks do not look damaged. I Have aluminum Touring boxes on it(just the frame for the boxes were on the bike during the accident). I dont think they are offering a fair price to me for totaling the bike. I wouldnt be able to buy another one with similar milage, and Boxes.W ould you try buy it back? (The settlemnet person told me 2000 to buy bike the totaled bike back)and repair it or just take the money and run?

[Jeff Khoury]

#ygrps-yiv-902439458 p {margin:0;}Also, order your parts from somewhere like: http://www.mrcycles.com/ You'll save significant money over the dealer. -Jeff Khoury

----- Original Message ----- From: "Jeff Khoury" To: "skc4seasons" Cc: "DSN KLR650" DSN_KLR650@yahoogroups.com> Sent: Saturday, April 3, 2010 12:45:56 AM GMT -08:00 US/Canada Pacific Subject: Re: [DSN_KLR650] Replace or Repair?   I'd probably buy it back and fix it. I laid mine down at 10MPH in a slick corner.  It cost me $450.00 to fix everything. My brother bought a 2009 KLR from a motorcycle messenger who crashed his into a truck for $500.00.  He put $1,000 into it to fix it up and is back on the road.  He bought a new tank from eBay, some misc plastics and had the radiator straightened and welded at a radiator shop. I'd say you'd be better off fixing it, if you're mechanically inclined. -Jeff Khoury Astatic Solutions, LLC. ----- Original Message ----- From: "skc4seasons" To: "DSN KLR650" DSN_KLR650@yahoogroups.com> Sent: Friday, April 2, 2010 7:51:02 PM GMT -08:00 US/Canada Pacific Subject: [DSN_KLR650] Replace or Repair?   Looking for some advice from some of you more experienced riders. Wrecked my 2009 KLR (2400 miles)couple days. Had a glancing blow with a deer on the right side at 35MPH. The bike went down and slid on the right side.After checking for broken body parts and looking at the bike I picked it up and rode it the remaing mile to work at about forty miles an hour. Couldnt tell anything wrong with the way it rode.(I was; in a slight state of shock.)The damage appears to be all cosmetic, but progressive is wanting to total the bike. The adjuster just looked at the bike and said totaled.I am thinking about a thousand dollars will replace all the broken,bent, sratched pieces. the Wheels seem to be aligned the forks do not look damaged. I Have aluminum Touring boxes on it(just the frame for the boxes were on the bike during the accident). I dont think they are offering a fair price to me for totaling the bike. I wouldnt be able to buy another one with similar milage, and Boxes.W ould you try buy it back? (The settlemnet person told me 2000 to buy bike the totaled bike back)and repair it or just take the money and run?

[Jud]

Sounds like you might want to get tough with the insurance company at this point over the decision to total the bike, the settlement figure or the buy-back price. Their offer is just that: their first attempt to low-ball you. Your best point of leverage is the settlement. Point to market data showing your cost to replace the bike, and inkle that you might let a small-claims judge decide rather than accept their figure.

--- In DSN_KLR650@yahoogroups.com, "skc4seasons" wrote: > > Looking for some advice from some of you more experienced riders. Wrecked my 2009 KLR (2400 miles)couple days. Had a glancing blow with a deer on the right side at 35MPH. The bike went down and slid on the right side.After checking for broken body parts and looking at the bike I picked it up and rode it the remaing mile to work at about forty miles an hour. Couldnt tell anything wrong with the way it rode.(I was; in a slight state of shock.)The damage appears to be all cosmetic, but progressive is wanting to total the bike. The adjuster just looked at the bike and said totaled.I am thinking about a thousand dollars will replace all the broken,bent, sratched pieces. the Wheels seem to be aligned the forks do not look damaged. I Have aluminum Touring boxes on it(just the frame for the boxes were on the bike during the accident). I dont think they are offering a fair price to me for totaling the bike. I wouldnt be able to buy another one with similar milage, and Boxes.Would you try buy it back? (The settlemnet person told me 2000 to buy bike the totaled bike back)and repair it or just take the money and run? >

[RobertWichert]

I have read the other responses, and I want to put my two cents in. I have been through this myself just last year.  The initial response from 21st Century was "Bikes are always totaled" and I said I took it to the shop and I wanted an estimate.  They agreed to that.  When the estimate came in, it was about $1,200 and I had $1,000 deductible so I only got $200 from them.  But the bike got fixed. My recommendation - 1)    Take it to the dealer where you bought it or to another Kawi dealer in town.  It's better to take it where you bought it. 2)    Get their estimate to fix it.  Work with them.  They will want to replace EVERYTHING that is even scratched.  My tank had a small scratch on it that they didn't see.  That was actually good, I think, because it kept the cost down. 3)    Tell the insurance company that you want it repaired and you will pay the deductible and they pay the rest.  That's how it works. 4)    The bad part is what is it worth?  The insurance company will use the "Blue Book" to value it and if it needs more work than the Blue Book value they will only give you the Blue Book value, minus the deductible.  Your Blue Book value from http://www.kbb.com/motorcycle/retail/2009/kawasaki/kl650e-klr650/250288 is $4225.  Therefore, if you have $1,000 deductible and the repairs are more than $3225, you only get $3225. If progressive is saying it is worth less than $3225, call your state insurance commissioner.  Seriously. If the repairs are more than $3225, you can negotiate to buy it from the insurance company, but be careful.  The insurance company will say that it has salvage value, and that can be pretty high.  If they give you the $3225, it's their bike and they are entitled to salvage value.  At that point it may be better to let them have it and look for it in a wrecking yard than to give them what they say they want.  Some insurance companies may be more reasonable, and I KNOW that lots of people have bought them back from the insurance company (one reply on the list did), but in your case you might be better just taking the cash and buying another bike. The big hint here is to get the estimate from a dealer, NOT from an adjuster.  Get the adjuster to agree to that.  The adjuster may not know a bike from a baseball bat. I hope this helps. Robert P. Wichert P.Eng +1 916 966 9060 FAX +1 916 966 9068 ========================================================

On 4/2/2010 8:20 PM, Jeff Saline wrote:   skc4seasons, If I liked the bike and it was only cosmetic damage I'd probably price the parts and decide if the bike was worth it. I think if you buy the bike from the insurance company it might get a salvaged title and you might not be able to get full coverage insurance again. If the damage is more than cosmetic it would depend on what is damaged as to whether I'd further consider buying it back. This could be an opportunity to make some changes to the bike like a new fuel tank or headlight or instruments etc. I'd probably also try to talk with the adjuster to find out exactly what was recorded for damage. You description made it sound like the adjuster inspection was not detailed. Not having had to mess with an insurance company in this regard I would probably see about negotiating with them about either the value of the bike if I was buying it back or the replacement value. Heck, it only has 2,400 smiles on it. Just some quick thoughts. Best, Jeff Saline ABC # 4412 South Dakota Airmarshal Airheads Beemer Club www.airheads. org The Beautiful Black Hills of South Dakota 75 R90/6, 03 KLR650, 79 R100RT <><><><><><> <><><><><><> On Sat, 03 Apr 2010 02:51:02 -0000 "skc4seasons" writes: > Looking for some advice from some of you more experienced riders. > Wrecked my 2009 KLR (2400 miles)couple days. Had a glancing blow > with a deer on the right side at 35MPH. The bike went down and slid > on the right side.After checking for broken body parts and looking > at the bike I picked it up and rode it the remaing mile to work at > about forty miles an hour. Couldnt tell anything wrong with the way > it rode.(I was; in a slight state of shock.)The damage appears to be > all cosmetic, but progressive is wanting to total the bike. The > adjuster just looked at the bike and said totaled.I am thinking > about a thousand dollars will replace all the broken,bent, sratched > pieces. the Wheels seem to be aligned the forks do not look damaged. > I Have aluminum Touring boxes on it(just the frame for the boxes > were on the bike during the accident). I dont think they are > offering a fair price to me for totaling the bike. I wouldnt be able > to buy another one with similar milage, and Boxes.Would you try buy > it back? (The settlemnet person told me 2000 to buy bike the totaled > bike back)and repair it or just take the money and run? > > ____________ _________ _________ _________ _________ _________ _ Penny Stock Jumping 2000% Sign up to the #1 voted penny stock newsletter for free today! http://thirdpartyof fers.juno. com/TGL3141/ 4bb6b4b7cfbddf3d 0m07vuc

[k650]

KBB has the worst values of all the estimates.   KBB is used by most dealers to figure trade in value.   You can’t argue with them because if you don’t like the price you don’t have to trade in.  Most insurance companies use NADA which usually has the highest value of estimates.  They have to settle with you and by using NADA there is less chance you could argue it is too low.   If your insurance company does not use NADA you need to find another company.  If you are still not happy with the price you could do your homework as to the value in your area, however I am not getting in to that as a Google search will find how to do it.

 

Also note that whatever you do there will most likely be a report as to the cost of repair which will show on CarFax should you ever want to sell it.

 

Walt

 

 

 

4)    The bad part is what is it worth?  The insurance company will use the "Blue Book" to value it and if it needs more work than the Blue Book value they will only give you the Blue Book value, minus the deductible.  Your Blue Book value from http://www.kbb.com/motorcycle/retail/2009/kawasaki/kl650e-klr650/250288 is $4225.  Therefore, if you have $1,000 deductible and the repairs are more than $3225, you only get $3225. I hope this helps.

   Robert P. Wichert P.Eng+1 916 966 9060FAX +1 916 966 9068