So, my poor bike got knocked over by a car in a parking lot the other day and considering an Arai Corsair got crushed under the bike, that makes it worthy of an insurance claim considering the rest of the parts that got scratched, cracked or otherwise mangled. Glad I had Motosliders or I would have ended up with a dented fuel tank and probably a damaged radiator. The sliders really kept the damage down to cosmetic stuff except for a busted shifter and bent clutch lever.
I want to use this insurance claim as an opportunity to get a few more aftermarket parts instead of OEM (IE: Fender Eliminator, nice bar end mirrors, LED turn signals, etc). I figure if I take the parts/labor money from the insurance company, buy the parts and do the work myself I'll come out ahead when all the dust settles. Plus, I like tinkering with my bike anyway.
However, my insurance company wants me to take my bike to a repair shop of my choosing and get an estimate before their adjustor will look at the bike. If I take it to a shop, am I committed to them at that point or can I use them for the estimate and then take the insurance money? I'd even pay the shop for their hour to do the estimate, but I really want to use the money differently than OEM replacement parts.
Insurer is State Farm if that makes any difference...
Anyone have any experience with a similar scenario?
Thanks!
I want to use this insurance claim as an opportunity to get a few more aftermarket parts instead of OEM (IE: Fender Eliminator, nice bar end mirrors, LED turn signals, etc). I figure if I take the parts/labor money from the insurance company, buy the parts and do the work myself I'll come out ahead when all the dust settles. Plus, I like tinkering with my bike anyway.
However, my insurance company wants me to take my bike to a repair shop of my choosing and get an estimate before their adjustor will look at the bike. If I take it to a shop, am I committed to them at that point or can I use them for the estimate and then take the insurance money? I'd even pay the shop for their hour to do the estimate, but I really want to use the money differently than OEM replacement parts.
Insurer is State Farm if that makes any difference...
Anyone have any experience with a similar scenario?
Thanks!