I was riding at St. Joe State Park in MO, over the weekend and had a little mishap. To make a long story short, it was either hit another rider head on at 70 mph or cut the wheel and hit some sand berms. Needless to say, it didnt turn out in my favor. Anyway......I have insurance on the bike. But has anybody ever had a quad totally redone from a wreck? I mean taking everything that is still in good shape and putting it on a new frame and replacing all the broken stuff. And having it be as good as new? By just looking over it I can see that the steering stem is bent, the bars are bent the tach was submerged under water,(the bike finally stopped rolling when it landed upside down in a water hole), the headlight is broke, the mounting tabs for the console and the headlight are bent, all plastics are beat to heck, the headlight switch is jammed, the throttle and cable is full of sand, rear grab bar is broke, the hand guards are bent, front rim is bent. I am not sure about the frame yet. It might be able to be bent back into place. Its not is to bad of shape. I think that is it. Do you think it will be worth turning it in to the insurance or should I just pay out of my pocket to get it fixed? How much do you think the damage will be? Thanks for your help.

 

<< Do you think it will be worth turning it in to the insurance or should I just pay out of my pocket to get it fixed? How much do you think the damage will be? Thanks for your help. >>



If you dont turn this in as an insurance claim, when would you ever? The damage is definitely going to exceed your deductible. They may even total it out. Good luck either way.

 

I doubt that they are going to straighten your frame. If it is bent, they will replace it.

 

Turn it in to the insurance and than buy it back from them if they total it. Be cool with the adjuster though. You may end up with two quads to work on.

Smitty

 

Do you plan to keep insurance in the future? Just another thing to consider after you total up the damages. If claim it now you will pay for it in the future through higher premiums. If its not too high a figure once you total up the damages you may want to just pay for it and save the bad mark for more serious damages or (dare I say) theft.

If you know someone with a DS just measure the frame in many different places and compare with it. Slight bends can be repaired easily. Also, now you can replace damaged parts with the really cool stuff that you hear about all the time. Just a thaught.

 

sounds like some serious damage to me turn it in to the insurance thats what u have it for.

 

<< Do you plan to keep insurance in the future? Just another thing to consider after you total up the damages. If claim it now you will pay for it in the future through higher premiums. If its not too high a figure once you total up the damages you may want to just pay for it and save the bad mark for more serious damages or (dare I say) theft. >>



I checked on that. They told me it might raise 5 more dollars a year. My buddy had a Banshee that was damn near a total loss. He got everything replaced. Almost a new bike, frame and all. It raised his insurance 10 bucks a year. Its worth having the insurance IMHO. I am still waiting on the final verdict of damaged parts and costs. I will post back once I find out for sure.