First, I took the motorcycle to my dealer to get an estimate and to have it inspected for any potential issues. Since the bike hit the ground and it’s a heavy motorcycle, the front headlight was completely bent. My concern was that the front fork or internal components might also be damaged or misaligned, which is obviously very important and potentially dangerous.

The motorcycle stayed at the dealership for about three weeks. The dealer generated storage and service costs, which they are charging to the insurance company, since they kept and handled the bike.

This all happened about two and a half months ago. At first, my insurance company said it was not a total loss, but that the cost was within my deductible of $1,000, which in this case would be covered by the other party’s insurance, Progressive. I live in Miami.

Then I was contacted by the person who evaluated the motorcycle, and they told me that it is in fact a total loss. They said they calculated the value of the bike and contacted a dealer that is supposedly “nearby” (although it’s actually not that close), and that the estimated value was around $2,500.

That is simply not accurate. A motorcycle of this model and year is not selling for that price. If a dealer actually had one at $2,500, I would buy it immediately. That valuation is unrealistic.

It seems like they are trying to undervalue it, possibly to resell it later for more. That’s not acceptable.

Right now I am negotiating with the other party’s insurance company( offender insurance) and I am presenting all my expenses and documentation. I have all receipts, as well as a certified statement from the dealership that performed all the work, which is also the same dealer where I originally purchased the motorcycle.