05-10-2018, 06:01 PM
(05-10-2018, 08:26 AM)misterprofessionality_imp Wrote: well, thanks cor, but i'm not confident that mine can be replaced if it gets totaled. they might pay out my value and all, but i seriously doubt i'll be able to find a new '14 again without paying a whole lot of extra money. basically, if my CB gets totalled, i might never be able to get a CB again, because i can't pay full price for one.
I think it doesn't work that way (at least in Europe):
-you had a bike, and it wasn't your fault.
If it had been your fault, and you had insurance cover on "own damage", they would pay "market value" (what ever they have on their charts, according to model/year etc. Not real market value of your particular bike)
Being someone's elses fault, they have to pay any repair to get your bike back. It can't be "totaled": it will just be more expensive to them. Or they can offer to buy you an equivalent bike IF you accept that. But they can't make you to accept their "market value" price.