should I make an insurance claim
 

I was out riding today and the roads were still kind of wet, I hit a corner underneath a bridge that had'nt dried out and the bike slid and I pretty much jumped it off the side of the road into some dirt. Its not that bad I can probually fix everything myself for a few hundred dollars. But I have full coverage insurance, my fear is that its enough for them to toal it, and I don't know how much my rates would go up, I also have a $100 deductable.
Heres a list of damage and how much I think it will cost

zbars($65) I have the stock bars in perfect shape in the basement as well
speedometer($100) ebay
tank, I'm not sure I'll probually have to get it painted to match or do a custom job so it could be exspensive, my bikes paint scheme was only availible one year and is pretty rare
clutch lever($10)
clutch resvoir cap($20)
head light ring($20)
grips I have a few extra sets laying around as it is so no biggie
and I got a small scuff in the tripple tree that I'm not going to fix

Re: should I make an insurance claim
 

For such little damage I wouldn't report it. You'll lose your ass one way or another if they total it. :X
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Re: should I make an insurance claim
 

first of all, what yr/model bike?

Re: should I make an insurance claim
 

1999 suzuki intruder vs800 I've put quite a bit of work into it so I'd hate to see it totaled I ride it all the time too I've put around 8,000 miles on it in less than a year, it has 12,000 miles on it right now. I was thinking about going with some taller zbars anyways, just not a different paint job since I like the debadged stock one, heres a pic of what it looks like, right side still looks like that, the tank barely got hit >:( just a small dent, the tank is usable as is but I'll want to fix it eventually

Attachment 21118

Re: should I make an insurance claim
 

lol, I think I would have just left it where I crashed it. :l
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Re: should I make an insurance claim
 

guess we have different taste in bikes

Re: should I make an insurance claim
 

That bike is ------ sweet 8)

Re: should I make an insurance claim
 

not worth the risk at all

Re: should I make an insurance claim
 

hey thats a nice bike, fix it yourself. It will cost too much to go with your insurance in the long run.

Re: should I make an insurance claim
 

lol, just ------- with ya. ;)

Between your deductible and how much your rates will probably go up for the next 3 years if they consider it an at fault accident it would be MUCH cheaper to just fix it yourself. Insurance is such a scam. :3
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