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-   -   Is it totaled? (https://www.fjrowners.com/forums/8-fjr-central/147887-totaled.html)

djb1300 08-18-2019 09:52 AM

Is it totaled?
8 Attachment(s)
Thursday morning on my way to work I was blindsided by a little deer, it hit me in the front tire and I never saw it. My gear did the job of protecting me, even though I ended up with 5 broken ribs and a 2 night stay in the hospital. I would like the bike to be totaled but some say no. I have State Farm for insurance. Looking for honest opinions please. Thank You

JohnC 08-18-2019 10:58 AM

Start by adding up the replacement cost of all the tupperware and go from there. Then, considering the front end damage, I'd say, charitably, that you are close.

RaYzerman 08-18-2019 11:27 AM

If and only if you can do all the work yourself would I even attempt to rebuild it. Most of the damage seems to be from going down not the actual collision, making a big assumption but likely the front end is OK.
I did repair my bikes from 2 crashes that had a lot of damage, one of which would have technically been a write-off. For the write-off idea, add up all the parts costs and then the estimated dealer labor costs it takes to put that all back together, then consider it's worth something like $8000 or whatever recent 14's have sold for here. If you have such a thing as needing a salvage title, that likely reduces the value, but you could also just resolve to keep it until it is worth nothing. Just from looking at your pictures, I'd say technically it's a write-off, and likely your insurance folks will lean that way. Hopefully they give you more than it's worth on the open market, including replacing any farkles or your riding gear. By the time you buy an exact replacement and farkle it up/replace gear, you're in the neighborhood of $10k maybe more.
Hope your injuries aren't too severe and that you heal quickly, it can't be a happy time. Best wishes.

djb1300 08-18-2019 11:40 AM

Thanks for the reply, I will be contacting insurance on Monday

Redfish 08-18-2019 11:41 AM

I would be shocked if they did not total it. Three times I have seen bikes that I thought/knew were repairable and the insurance totaled them. Adding up FJR parts does not take long for the total dollars to exceed the value of the motorcycle.

I am truly sorry about your bike. I know the pain of the broken ribs, my 2015 FJR broke a couple of mine before I owned it 12 hours. I hope you heal well and quickly.

the Ferret 08-18-2019 11:51 AM

Guess the sliders didn't help much eh? lol (sorry)

Sorry to hear about your incident, and glad you weren't badly hurt. Deer are everywhere here in southern Ohio, and a constant threat. Had one run into me (glancing blow) that didn't put me down, but I think about it every time I ride down that stretch of road. Always scanning for those stupid deer.

I've had broken ribs too, only mine was from falling out of a treestand, ironically bow hunting for deer. Makes it hard to breath, laugh or grunt on the can if you get my drift. Only thing that helps them is time.

Your bike certainly looks totaled to me.

NealC 08-18-2019 11:58 AM

Claim any protective gear that may have been damaged as well.

Redfish 08-18-2019 12:00 PM

Of course it is a 2014 and those look pretty ugly even without being wrecked. The biggest expense is the Lace Panty Pink Paint. It costs a lot of money to make that Pink Paint. It contains several shades of Maybelline Lipstick, rose petals, nail polish and is mixed in a Louis Vuitton handbag. It is sprayed by hand in a paint booth with pics of flowers, poodles, and cats with ribbons on their ears on each wall. Elton John, Liberace and Barry Manilow songs play softly in the back ground. The painters dress as their favorite Village People band members and none of them actually ride motorcycles. They all carpool to work, usually in a Prius.

That was all a JOKE before anyone gets their panties in a bind and gets mad by the way.

I have some experience with this totaled bike thing and it is Never Good. Let us know if we can help in any way.

georgepittenger 08-18-2019 12:17 PM

Ouch , sorry for your ( total ) loss .......

Could have been worse , bike can be repaired (unlikely) or replaced .

I've had 2 friends who gave up riding after unforunate encounters with Bambi .


CRBND8D 08-18-2019 12:20 PM

Totaled. No question about it.

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