Had an off :( - insurance job?
 

7:50 am today 5 mins from work. It had been raining the night before. I had travelled 25 miles already this morning. Came up to a roundabout, easy straight through. Bus had come out from the left junction which i thought it was back up the road i had just come down, no he was using the roundabout to u turn. Blipped the brakes (if i had went on i 'think' i might have made it). Front end went down on the left. I got thrown and slammed hard on the road. I spun a full 360. i had a back pack on and ended up on my back, the backpack actually helped. Happened in a flash when i came to a stop thats when i realised that i actually had an accident. Ive got skin burnt off my knee, a burn mark on my waist and hip. The hips sore and will have abruise to follow. Thumbs fractured. Bikes looking not bad considering. And worst of all the bus driver drove on and left me. :mad:
Luckily someone from the work seen me and someone else helped me to pick up the bike. I was able to ride it all the way home without any major issues.

Thing is with this sort of damage would it be worth to claim?

Damage: Front fairing cracked and scraped, L/H bar end grip burnt/ weight bent. Radiator bent. L/H indicator broke. L/H gear lever broke (still have the rubber toe grip) L/H heel plate bent in. Rear fairing scraped, subframe might be bent in a bit. Leather jacket scraped down the L/H arm (not right through), leather trousers knee scraped (minimal, think scuffed shoes). Boots fine. Helmet fine.

Ive rebuilt and engine and forks so i'm quite handy. I only got the bike back on the road a couple of months ago so 1st ti me fully comp'd this year with no no claims bonus (im sure the xs is 100-200) so i dont know how much 'ouch' it will be when renewals time comes.

http://farm7.static.flickr.com/6138/...cc8f2bf8_z.jpg
http://farm7.static.flickr.com/6022/...74aefb4d_z.jpg
http://farm7.static.flickr.com/6007/...d719f218_z.jpg
http://farm7.static.flickr.com/6128/...cac2586d_m.jpghttp://farm7.static.flickr.com/6145/...6ee41aa0_z.jpg
http://farm7.static.flickr.com/6001/...430b0ae9_m.jpg

Fractured thumb!

http://farm7.static.flickr.com/6021/...e474b088_z.jpg

Re: Had an off :( - insurance job?
 

depends on your excess.. and how shiny you want it to be.. id say its touch and go...

ps.. I feel u on the thumb they are a pain when broken..

Re: Had an off :( - insurance job?
 

ah no way mate not good sorry to hear, i had a near miss yesterday morning front end went i managed to pull it back up an the back went i ended up drifting round a corner with a police car behind me he was amazed i didnt go down he he

Re: Had an off :( - insurance job?
 

Nae luck. :(

The economics of making a claim also depends on how much you're paying at the moment. For example, I'm £60 comp so I could take a fair percentage increase in premium without worrying about it. If I was paying £1,000 I might think twice.

If insurance premium's going to be a consideration for you, get on a comparison site and put through a quote with no bonus and a "fault" accident and see what comes out.

GWS.

Re: Had an off :( - insurance job?
 

My premiums around 230 yearly.

Re: Had an off :( - insurance job?
 

I wouldn't bother, looks pretty much rideable as it is

Re: Had an off :( - insurance job?
 

Sorry to hear about the off. The plastics will cost the most to repair but arn't a necessity. Personally I would just get whats needed fixed and leave the cosmetics till you had the money. I wouldn't claim, but then Im 19 so my premium would sky rocket.

Do what TamSV said, and go from there.

Crash bungs/frame sliders probably would have helped a bit there.

Re: Had an off :( - insurance job?
 

Bad times.

I wouldn't put it through insurance. They will write the bike off for that little bit of damage, and just think what they will charge you next year. £30 should get you back on the road, best of luck.

Re: Had an off :( - insurance job?
 

DarkDreamsGirl has a Fairing for sale at a budget price - its black, not blue but would get you sorted.

Re: Had an off :( - insurance job?
 

That would cost a fair bit to fix, the radiator and bodywork being the big money items. If you want genuine new parts to fix everything it would very probably be cheaper to go the insurance route and take the hit on the premiums, assuming you intend to keep the bike for some time.

Personally I would fix the essentials i.e. indicator, bent pegs, broken gear lever and then keep an eye out on eBay and the forum classifieds for some tidy panels. I assume the radiator isn't leaking? A new Delkevic radiator is significantly cheaper than a Suzuki one (though still not a cheap item).