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post #1 of 4 (permalink) Old 11-11-2012, 10:46 PM Thread Starter
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Report a claim?

So I did the inevitable this weekend. Layed it down at about 10 miles an hour. Right fairing very scratched along with right turn signal destroyed. Right rear fender and right side of front fender also scratched. Brake pedal was grinded down, but not bent. Can't really tell if any other parts of the rear brake system are bent, but I did ride it home seemingly without any problems. Exhaust was pretty scratched. What do you guys think? Pay the $250 deductible and get it fixed, or just fix it myself and not have the possibility of getting it a salvaged title if the frame is bent? (I haven't checked the frame as I'm not entirely sure if what I'm looking at would be considered ok) It really sucks looking at a nice 250 destroyed, but I'm not sure it'd be worth the insurance premium spike. Just looking for opinions. Thanks!
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post #2 of 4 (permalink) Old 11-12-2012, 12:30 AM
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Down at 10 shouldn't bend a frame. You could always get it checked out anyway if it bothers you. It may have tweaked the forks but that's an easy fix. I'd take it slow and see if the bike is pulling to either direction. Just get a replacement turn signal. Or better yet good time to grab some flush mounts.

2008 Ninja 250R Blue; Two Bros M series slip on, 2wheels levers, Hotbodies under tail, Sportisi tank cover
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Last edited by Andy Gooch; 11-12-2012 at 12:37 AM.
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post #3 of 4 (permalink) Old 11-12-2012, 12:36 AM
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If you file a claim with your insurance company first the claim should be more than your deductible and second your rate more than likely will go up.

Unless they total the bike which is unlikely in a slow low side like yours.

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post #4 of 4 (permalink) Old 11-12-2012, 04:44 AM
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The damage is probably just cosmetic.

So it depends on how much you're willing to pay to have the bike looking like new, with the risk that it could always happen again.

I'd patch it up, ride it, and think about replacing damaged panels just before you eventually sell it on.

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