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+--- Thread: suhawk305's bike (/showthread.php?tid=1915)
suhawk305's bike - suhawk305 - 04-27-2017
Back in Post 171 of this thread, I reported my first significant ride to a bridge. On my way home, I slid off of the road damaging my CB11. Fast forward to almost a month later, I waited for over 20 days for my local Honda dealer to send my insurance company a repair estimate. Then several days later (today), my insurance company totaled my CB!!! The big items were a new instrument cluster, head light, handlebars with every attached to its right side, fuel tank, muffler, and a lot of scratched up parts. Estimate = $5.7K. The bike is not that bad!
I pleaded with my insurance company to drop items, like the muffler, to reduce the repairs below the total loss threshold. I was told it was too late.
Unfortunately, what my insurance company is paying is well below my loan balance. I am weighing my options over the next couple of days.
Now to the thread theme, here is a picture of my CB "gathered" with broken bikes, trade-in's etc. behind my Honda dealer's building. Sorry I cheated, I did not ride my CB there for the picture. The CB has only 204 miles on the odo.
![[Image: cc6db687b25d926fedbe373e0ed16601.jpg]](https://cb1100forum.net/forum/uploads/imp/201704/cc6db687b25d926fedbe373e0ed16601.jpg)
Farewell to my CB1100, VIN 100998, that was meant for me (my Postal Zip Code 10998).
RE: suhawk305's bike - Cormanus - 04-27-2017
suhawk, that's sad news indeed. I'm very sorry to hear of the loss of your CB. The insurance company's unwillingness to do a deal with you about a payout seems very strange to me. What have they got to lose?
I take it that you're OK after the accident.
RE: suhawk305's bike - the Ferret - 04-27-2017
Oh man, that stinks Suhawk. Stinks I tell you. Did you tell the ins co there was a lien on the bike in excess of repair estimate? Can't believe they won't work with you on that.
RE: suhawk305's bike - Ben70_imp - 04-27-2017
Terribly sorry suhawk.
Ben
RE: suhawk305's bike - curlyjoe - 04-27-2017
That's awful suhawk. Sorry to hear that.
RE: suhawk305's bike - PowerDubs_imp - 04-27-2017
What parts do you need- give us an exact list!!
I have a spare set of bars, spare grips, spare mirrors, spare muffler, spare engine side covers, spare blinkers, a spare seat, spare rear shocks...
Regardless of what your insurance company tells you- you do have the right to buy it back if they total it-, you can negotiate the buyback amount as well.
Hell, depending on what your deductible is, you can deny coverage at all so you don't pay a deductible- and just fix it yourself!
RE: suhawk305's bike - Elipten_imp - 04-27-2017
Sorry t hear about the accident. I hope you are okay. The totaling of the bike and being left with a loan balance is a tough situation.
If you can do the repair work yourself. I would ask to buy it back.
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RE: suhawk305's bike - suhawk305 - 04-27-2017
Thanks guys, Tomorrow, I will be busy looking at my options. I understand Honda Finance has "Gap" coverage. I have to verify it to see I have it, and whether it will cover (most of) my upside-down loan situation.
Josh and Elipten, you brought up an option to consider! However, the fuel tank at $973, and instrument cluster at $944 would have to be purchased new.
I am doing well, most of the bruising and soreness are gone. I was lucky.
RE: suhawk305's bike - Elipten_imp - 04-27-2017
Yikes the parts are expensive. Search ebay and bike breakers. I can live with dents and scratches for $1k!
And to be honest there are low mileage bikes at that price available.
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RE: suhawk305's bike - c-breezy_imp - 04-27-2017
Sorry to hear about your bike being totaled suhawk. Hopefully you WILL get to buy it back