Post by go4it on Aug 16, 2011 20:44:24 GMT -6
Some of you may remember my posting a few weeks ago saying I spilled my 2008 Roketa 250 54B. I thought I took the worse of it by braking my spraining my left wrist, breaking my right wrist and breaking my right knee and lets not forget a few good road rashes. I figured the bike was going to be maybe $100 to $200 worth of skin work and a partial paint job. Of course I figured I would take the insurance settlement and do the work myself.
Today I got a few surprises. State Farm called with a settlement offer. Now there's 2 interesting things to about this. 1) the fact that I opened the policy only 5 days before the wreck and haven't even paid the bill yet. And they agreed they will only charge me for 6 day (canceling the policy the day after the wreck). Why? Because the repair estimate came to $3150 so they totaled it. So they offered me $2,366 less my $250 deductible. I paid $2,300 for the scooter 8/08. Granted it only has 600 miles on it but still if not for my $250 deductible they would actually be paying me more then I paid for it. What a deal!! Plus they pay another $1,000 toward my medical bills which so far exceed $15,000 and I estimate will exceed $20,000 by the time it's done.
I am leaning 80% not to replace the scooter. At 64 I don't think I can afford anymore broken bones. And if not for my helmet and face mask I don't think I'd have a nose today. But we'll see what happens come spring time. But I am heavy into building electric bikes and I'm thinking to put the money that way. Yeah, I know I can fall off them too and have. LOL
Bob
PS...my bikes cost more then that scooter did when new.......
Today I got a few surprises. State Farm called with a settlement offer. Now there's 2 interesting things to about this. 1) the fact that I opened the policy only 5 days before the wreck and haven't even paid the bill yet. And they agreed they will only charge me for 6 day (canceling the policy the day after the wreck). Why? Because the repair estimate came to $3150 so they totaled it. So they offered me $2,366 less my $250 deductible. I paid $2,300 for the scooter 8/08. Granted it only has 600 miles on it but still if not for my $250 deductible they would actually be paying me more then I paid for it. What a deal!! Plus they pay another $1,000 toward my medical bills which so far exceed $15,000 and I estimate will exceed $20,000 by the time it's done.
I am leaning 80% not to replace the scooter. At 64 I don't think I can afford anymore broken bones. And if not for my helmet and face mask I don't think I'd have a nose today. But we'll see what happens come spring time. But I am heavy into building electric bikes and I'm thinking to put the money that way. Yeah, I know I can fall off them too and have. LOL
Bob
PS...my bikes cost more then that scooter did when new.......
..BAD TO THE BONE..