when to file an insurance claim? - Kawasaki Versys Forum
 
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post #1 of 3 (permalink) Old 06-18-2010, 11:24 AM Thread Starter
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when to file an insurance claim?

Some A-hole sped up to pass me in front of my driveway while i was clearly pulling into it. needless to say I had to drop the bike, he sped off and didnt stop or even slow down. theres a small scuff on the handlebar and part of the engine(not sure what its called but its low on the left hand side of the bike and is round) I noticed some liquid had spilled out onto the ground. should I file this with my insurance?
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post #2 of 3 (permalink) Old 06-18-2010, 11:33 AM
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doubt it
depends on what the liquid was
its almost certainly from the coolant header tank under the RHS cowling. check the level is OK
the only other fluids are oil or fuel..

if you have any doubts get the bike checked over to make certain its safe to ride

I'd expect your insurance excess would reduce the value of any claim....

even if the insurers accepted the claim you are looking at (I'd guess around $500 inc labour to replace) subtract you excess and the amount of discount you'd loose on your insurance over the next 5..10 years and I reckon you'd be paying more to claim than not.
according to KawasakiPartsNation.com
handlebar is $70
generator cover $65 (LHS)
clutch cover $102 (RHS)

so in my books it aint worth it.. insurance is for serious damage to your bike, or to repair others if you are at fault in any way shape or form.

Last edited by healdem; 06-18-2010 at 11:40 AM.
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post #3 of 3 (permalink) Old 06-18-2010, 12:10 PM
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+1 healdem

I laid mine down last year, bending the handlebars, scraping the left-side (cowling, bar-end, radiator guard, turn signal and generator cover), bending the shifter and shift tie-rod. Total replacement was about $400 out of pocket. I haven't yet replaced the radiator guard or turn signal - they're just scraped. Anyway, it was less than my deductible and had I claimed it, would have raised my rates probably 30%.

2009 Versys
2000 Vulcan Drifter 800
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