It is like this, for the most part an insurance company will pay for your repairs if you can show them that your bike cost more then the book shows them. First thing to remember is most of the time you are dealing with a person just like yourself. If you back them into a corner with hard words and a bad temper they will come right back at you, make sure you talk to them like a person. They are doing a job and that is all that it is, this is nothing personal to you or your bike.
1. When you are done doing your work take your bike to a local shop and have them do a stated value estimate on your bike. For those that do not know what this is, a stated value is an estimate of what it would cost to build your bike just like it is from a stock bike also this would include your cost of the stock bike plus aftermarket parts, paint, and any mod’s done.
2. Here is an exp. my bike 2002 GSXR 1K Turbo when I went down in 2005 the book at the time was $6300.00 this is what they tried to give me for the bike and was going to total it, repair cost $6800.00
3. Stated value estimate from local shop with all the adds $22,500.00, talked with the adjuster and emailed this to her, check to me within two days and clean title bike with cash in my pocket.
Remember I know it is hard but keep all your invoices for everything even oil, I can not say this to much stay cool when talking with the adjuster (most of the time they are looking at a book and have no idea what a bike or parts cost).
Look at it this way the have a blank check with your name on it, all you need to do is show them how much to put on it.
let me know if you or anybody needs any help. I will do what i can. Richard
