{"id":7891,"date":"2018-12-26T19:27:17","date_gmt":"2018-12-26T19:27:17","guid":{"rendered":"https:\/\/adamchandler.me\/blog\/?p=7891"},"modified":"2018-12-26T19:29:10","modified_gmt":"2018-12-26T19:29:10","slug":"my-bike-my-insurance-experience-with-a-totaled-write-off-r1200gs","status":"publish","type":"post","link":"https:\/\/adamchandler.me\/blog\/2018\/12\/26\/my-bike-my-insurance-experience-with-a-totaled-write-off-r1200gs\/","title":{"rendered":"My Bike: My Insurance Experience with a Totaled (Write-Off) R1200GS"},"content":{"rendered":"<div class='__iawmlf-post-loop-links' style='display:none;' data-iawmlf-post-links='[{&quot;id&quot;:1779,&quot;href&quot;:&quot;https:\\\/\\\/bmwmov.wildapricot.org\\\/event-2918953&quot;,&quot;archived_href&quot;:&quot;&quot;,&quot;redirect_href&quot;:&quot;&quot;,&quot;checks&quot;:[],&quot;broken&quot;:false,&quot;last_checked&quot;:null,&quot;process&quot;:&quot;done&quot;},{&quot;id&quot;:1780,&quot;href&quot;:&quot;https:\\\/\\\/www.klim.com\\\/gear-protection-guarantee&quot;,&quot;archived_href&quot;:&quot;http:\\\/\\\/web-wp.archive.org\\\/web\\\/20251103213444\\\/https:\\\/\\\/www.klim.com\\\/gear-protection-guarantee&quot;,&quot;redirect_href&quot;:&quot;&quot;,&quot;checks&quot;:[{&quot;date&quot;:&quot;2025-11-06 03:00:01&quot;,&quot;http_code&quot;:200},{&quot;date&quot;:&quot;2025-12-04 05:07:55&quot;,&quot;http_code&quot;:200},{&quot;date&quot;:&quot;2026-01-14 19:02:22&quot;,&quot;http_code&quot;:200},{&quot;date&quot;:&quot;2026-01-22 19:31:16&quot;,&quot;http_code&quot;:200},{&quot;date&quot;:&quot;2026-03-01 07:14:14&quot;,&quot;http_code&quot;:200},{&quot;date&quot;:&quot;2026-03-05 18:12:44&quot;,&quot;http_code&quot;:200},{&quot;date&quot;:&quot;2026-03-13 04:44:07&quot;,&quot;http_code&quot;:200},{&quot;date&quot;:&quot;2026-03-31 05:56:18&quot;,&quot;http_code&quot;:200},{&quot;date&quot;:&quot;2026-04-05 22:30:53&quot;,&quot;http_code&quot;:200},{&quot;date&quot;:&quot;2026-04-10 15:27:21&quot;,&quot;http_code&quot;:200},{&quot;date&quot;:&quot;2026-04-17 23:42:46&quot;,&quot;http_code&quot;:200},{&quot;date&quot;:&quot;2026-04-21 07:38:26&quot;,&quot;http_code&quot;:200}],&quot;broken&quot;:false,&quot;last_checked&quot;:{&quot;date&quot;:&quot;2026-04-21 07:38:26&quot;,&quot;http_code&quot;:200},&quot;process&quot;:&quot;done&quot;}]'><\/div>\n<p><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">Housekeeping:<\/span><\/p>\n<ul style=\"margin: 1em 0px 1em 3em; padding: 0px; caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\">\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">This post is going to be missing some specific financial figures and mostly work in round numbers adjusted to the nearest hundred dollars.<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">The location of the crash is also going to remain private<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">Not going to name anyone or any company specifically<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">In case I forget to mention, I suffered no injuries or even a bruise from this crash but the potential for injury is high given how long I slid<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">This site has riders from all over so please if you are a rider of another brand and are just going to comment about financial matters of BMW&#8217;s cost or my modifications, please just don&#8217;t post. This is here for others as a learning lesson not a &#8220;crap all over BMWs thread&#8217;<\/span><\/li>\n<\/ul>\n<p><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8211;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">TLDR: You could just watch these 3 videos to see the crash, the day after, a video of the damage and a full video going over the insurance situation in detail:<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><iframe loading=\"lazy\" style=\"max-width: 100%; caret-color: #c8c8c8;\" src=\"https:\/\/www.youtube.com\/embed\/yl-RJi1XZak?wmode=opaque\" width=\"500\" height=\"300\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><iframe loading=\"lazy\" style=\"max-width: 100%; caret-color: #c8c8c8;\" src=\"https:\/\/www.youtube.com\/embed\/2affVTZxLpM?wmode=opaque\" width=\"500\" height=\"300\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><iframe loading=\"lazy\" style=\"max-width: 100%; caret-color: #c8c8c8;\" src=\"https:\/\/www.youtube.com\/embed\/hghnw4va8Jw?wmode=opaque\" width=\"500\" height=\"300\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><iframe loading=\"lazy\" style=\"max-width: 100%; caret-color: #c8c8c8;\" src=\"https:\/\/www.youtube.com\/embed\/lwkVuZySjZQ?wmode=opaque\" width=\"500\" height=\"300\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"https:\/\/media.giphy.com\/media\/2wWBJhwhECcLziDUvj\/giphy.gif\"  data-pk-sizes=\"auto\"  data-pk-src=\"https:\/\/media.giphy.com\/media\/2wWBJhwhECcLziDUvj\/giphy.gif\" ><span style=\"caret-color: #c8c8c8;\">\u00a0<\/span><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8211;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Last Photo of the bike in perfect condition on September 6th:<\/span><\/p>\n<div style=\"margin: 0px; padding: 0px 0px 0px 30px; caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"https:\/\/c2.staticflickr.com\/2\/1854\/43864145134_6010014e3f_b.jpg\"  data-pk-sizes=\"auto\"  data-pk-src=\"https:\/\/c2.staticflickr.com\/2\/1854\/43864145134_6010014e3f_b.jpg\" >\u200b<\/span><\/div>\n<p><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><span style=\"caret-color: #c8c8c8;\">Friday morning, early September, Central-Vermont. While attending the\u00a0<\/span><a class=\"externalLink\" style=\"color: #000000; text-decoration: none; padding: 0px 3px; margin: 0px -3px;\" href=\"https:\/\/bmwmov.wildapricot.org\/event-2918953\" target=\"_blank\" rel=\"nofollow noopener\">BMW Motorcycle Owners of Vermont Green Mountain Rally<\/a><span style=\"caret-color: #c8c8c8;\">, I had my 2017 BMW R1200GS Adventure there covered in accessories (farkles) and after a few cups of coffee, I wrapped up my volunteer duties and 2 strangers (at the time) invited me out on a ride. We were one hour into our adventure with a good pace, just enjoying the nice morning. It was around 60F, sunny, no wet roads and we were all doing the speed limit.<\/span><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"https:\/\/c2.staticflickr.com\/2\/1874\/43672796075_3d716e767a_b.jpg\"  data-pk-sizes=\"auto\"  data-pk-src=\"https:\/\/c2.staticflickr.com\/2\/1874\/43672796075_3d716e767a_b.jpg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I entered a hair-pin turn, leaned the bike over to the left as I had over 500 times this year in the last 11,000 total miles (17.702km) since April on this motorcycle and it\u2019s as if both wheels just disappeared under me. I laid out a Christmas Story style \u201cFuuuuckkddgge\u201d as I slid 45 feet off the road into a guard-rail.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/9oUpLTA.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/9oUpLTA.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I was in the middle of our order so one rider went up ahead before noticing I wasn\u2019t behind him. The other rider behind me stopped immediately. I couldn\u2019t pick up my bike. It turned out the guard rail was keeping that from happening. He stood behind the bike, I put it in neutral and we rolled it back slightly on its side and then picked it up.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">The bike\u2019s motor had stopped but I couldn\u2019t turn off the ignition switch. It was unresponsive. I could start and stop the engine with the switch but the button (where a key used to go before software engineers decided keys were stupid) wasn\u2019t reacting. I decided to just leave the bike on despite possibly running down the battery because once off, it may not restart.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Oh yeah, the bike started up just fine. The only safety issue is the ABS and Traction Control lights were solid and weren\u2019t going off. I can\u2019 verify ABS was gone but I didn\u2019t take any chances for the ride home.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I did an assessment of the bike, my shifter was broken, my brake pedal was bent into the frame, my right foot-peg was bent up into the frame, my license plate had ripped off and my crash bars from AltRider didn\u2019t move an inch but they were absolutely in need of replacement because they had lost some weight. The once tubular crash bars were flat on the side that slide down the road but still no holes in them\u2026quite a thick tube wall I should say. My cylinder head guard from Machine Art Moto was also intact. My Final Drive (shaft) slider was used up and my final drive guard had done its job showing nothing but some love-marks.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Time to assess myself and my gear (yeah, a little out of order). I\u2019ve been down before, I know how adrenaline can play a part so we spent 15 minutes on the Side of the road with most of that time being a self-check of my bill of health. I moved\/jumped\/bent\/stretched and walked around to assess myself. I felt just fine. My pants were heavily shredded but they could probably sustain another crash of this kind despite losing their waterproofness. My jacket, same. The ceramic elbow coating was gone but the mesh and D3O pad beneath it was unharmed. Again no more complete waterproofness and if I was certain I\u2019d crash on my right side next time, I could continue to wear this jacket forever.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">My boots which have a plastic piece on the outside were fine but the plastic was worn down and a buckle was pretty scraped up but all was in tact. My gloves never touched the ground. They were fine and my helmet, well you really can\u2019t say for sure if it should be worn again. Luckily, insurance is taking no chances and insisting I buy a replacement. They took my old helmet for safe-keeping just in case. Shoei had just inspected my helmet last month and gave it a clean bill of health. I was going to send it to them again but insurance didn\u2019t approve of my suggestion. I\u2019m going to miss the helmet. 3 years, 30K miles of wear and it has don\u2019t its job a few times.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">We rode the bikes to the next pull off area and the bike ran fine. Other than the solid ABS light, it was tracking just fine, no wobble, no off-balance tracking or it was very solid so I told the guys I was prepared to ride the 70 miles home or 50 miles back to camp. My girlfriend insisted I ride home and she and I would go back to camp later to get my things but my friends from Quebec were arriving and I really wanted to spend the night catching up with them and I still had volunteer duties so we skipped lunch and rode straight back to the rally. The only hack required to get home was a vise-grip on my shifter.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Back at camp, I grabbed my tool roll and pulled the negative lead from the battery, the bike finally turned off. I waited a minute, plugged it back in and the bike re-started as if nothin happened so luckily, the bike wasn\u2019t out of commission, it was just some sort of fail-safe or software bug that kept the bike from turning off (again the motor turned off, this is just the ignition).<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">That evening, strangers kept coming up, \u201cyou the guy who crashed?!?!\u201d It got old but people were surprised I rode the bike back to camp and not on the back of a tow-truck. I have free towing but honestly, the guards and protection on this bike is what saved it. The hand guards, crash bars and final drive slider took a lot of abuse and they all needed replacing but they did their job and I rode out of there. Pretty amazing if I was in the middle of nowhere to be able to get home thanks to the aftermarket accessories. If you slow down the video frame by frame, you can see the bike was sliding sideways on the cylinder head for a second. Sparks flying, very scary shit.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Enjoyed a beer with friends, didn&#8217;t worry about it that evening just had a good time:<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/HFNJxpP.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/HFNJxpP.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I was convinced I\u2019d go home, buy a new shifter, a new brake lever and continue riding the bike the rest of the season and strip it down to replace everything broken over the Winter. \u201cIt\u2019s totaled man\u201d says Sylvaine from Quebec. He\u2019s totaled two GS Adventure bikes in the last 5 years. \u201cThat bent brake lever is $500. The peg is a part of the frame. You\u2019re fucked\u201d<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Photos of the Damage:<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/lDZyo53.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/lDZyo53.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/gU3YhzA.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/gU3YhzA.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/SP3TxJG.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/SP3TxJG.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/Cfkh33x.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/Cfkh33x.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/dSMb8r5.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/dSMb8r5.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8212;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">The easy part was over. Crashing was simple. I was fine and happy to not be in a hospital and be with friends. I stepped away and started taking care of the necessary things of insurance.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I call Vermont State Police. It\u2019s not necessary if there is no 2nd party or property damage but I\u2019m a good guy. I call. \u201cI know that curve\u201d says the officer \u201cwe tow a bike out of there every month\u201d She continued, \u201cwe investigated that spot after a fatality and you take a hard right, the road dips then it\u2019s a 120 degree hair-pin on an incline. The suspension compresses on your rear wheel and then you give it gas and lean over. When it extends, it pushes out from under you. That\u2019s a 10 MPH turn for motorcycles, not 25 as suggested by the signs.\u201d<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">She took my information, I promised on the phone there was no property damage and I did add that there are a lot of motorcycle parts in the gravel up there, \u201cI know\u201d she said. I received a case number and then started a claim with my insurance company. They are one of the top 3 insurance companies and I switched to them away from another insurance company in July. They were $600 a year. This was $160 a year for the same coverages. Half way into this process, I was convinced that I had found where the savings came from but spoiler-alert, things do work out in the end.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8212;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I spoke to a claims person on the phone on Sunday (48 hours after the crash) to review my coverages.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><\/p>\n<ul style=\"margin: 1em 0px 1em 3em; padding: 0px; caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\">\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">My deductible is $500 for this incident and it will be removed from the final settlement<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">They will reimburse me $500 for a new helmet<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">I am reimbursed $500 for my safety gear<\/span><\/li>\n<\/ul>\n<p><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">My accessories coverage is\u2026she had to put me on hold stuttering in disbelief. She comes back, \u201cYou have $20,000 in accessories coverage.\u201d \u201cThat\u2019s right\u201d I said. Standard is $2,000, I had added that line-item to my policy in August after going through the exercise of adding up everything on the bike and seeing that I had spent $14,500USD on accessories for my bike that was now 12 months old:<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/AmJOmd2.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/AmJOmd2.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">The person on the other side of the line said \u201cyou\u2019ll need receipts for any damaged accessories as a result of this crash\u201d. No problem there. The only receipt I had to track down was from my powder-coating guy who did the work 7 months prior and was able to find his Quickbooks receipt for me of $572 in work.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I told her to jot down what I spent on my safety-gear because I felt $500 allowance was horribly low for a suit that kept me out of the hospital. Shoei GT-Air $600, Klim Badlands Pants, $699, Klim Adventure Rally Jacket, $1400, Forma Adventure Boots, $300. She noted down the figures and re-affirmed that $500 was the maximum fro suit and $500 for helmet.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">During the call, she also asked if I was wearing my helmet. \u201cIt\u2019s the law so yes\u201d I responded. \u201cYou\u2019d be surprised how few people are wearing a helmet\u201d she said \u201cWe wouldn\u2019t be speaking right now if I wasn\u2019t\u201d I said.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8212;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">The next morning, I took a lot of photos of my motorcycle, safety-gear and started collecting location info of the crash, time stamps from the InReach communicator and such so I could get everything over to insurance that they may ask for.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">After packing up my gear, one day earlier than the rally was ending, I noticed my luggage racks were also bent.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">It was 70 miles home, my fake shifter almost fell off once and I just stayed on back-roads and made it home safely. I parked the bike and went inside and took a nap. My neck was hurting a little bit. My girlfriend was convinced I had internal bleeding. I didn\u2019t go to the hospital, the neck pain was the last thing I felt and I\u2019m glad it was. Not a macho guy but I know my body from years of martial arts. I called my dad later that day, the crash felt equivalent to him throwing me across the room in judo. He\u2019d have me up above his 6\u20192\u201d frame on his shoulder and drop me a bout 10 feet away on my back and I did this 4 hours a day, 5 days a week from age 5 when he trained for his black belt test in Japan through age 21 when I moved away to San Francisco. My body was tired from years of being thrown around, I\u2019m permanently taking glucosamine just to get out of bed and I love him but my body is destroyed from grappling, throwing, falling off roofs and running on the beach bare-foot for 2 decades. The crash felt way less than his normal throws and my only risk of the crash was abrasion risk from sliding and the gear didn\u2019t allow that.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8212;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">A few people on ADVRider messaged me to offer some advice. They were clear that I should keep my mouth shut about the crash publicly, don\u2019t put out any videos until this was behind me but also for the next year, insurance companies watch social media and they are looking for social media posts from me and if I\u2019m being reckless, don\u2019t be surprised if my rates go up again when my new bike is up for renewal but if I want my claim to go well, just wait and answer questions from the insurance company but don\u2019t give up more information than you need to.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">One thing I didn\u2019t do that was recommended to me was \u201ccloud the facts\u201d and I am not a liar and I like being honest with everyone, even big evil corporations so I didn\u2019t cloud things at all. I said it was a normal day, things were good, we were having fun, obeying the law and I low-sided. I didn\u2019t add \u201cthe tires were just mounted, they may have been done wrong\u201d or \u201cthere might have been some sand there\u201d those kind of things.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">They didn\u2019t ask if I had a video but my BMW Service Advisor who had seen the video told the adjuster there was one because he was asked directly by the insurance company. He said \u201cit was just a normal ride, nothing crazy and he low-sides\u201d the adjuster never asked me for a copy directly but he\u2019ll eventually see it via YouTube or this thread.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8212;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">My insurance adjuster was assigned immediately and he came to my house 2 days later to review the damage. \u201cThis is probably going to be ten grand\u201d he said \u201cbut I am not very familiar with motorcycles of this kind. I know Harleys but not many other brands\u201d He snapped photos and I\u2019m a project manager for the last 15 years so I gave him a few excel spreadsheets and receipts of parts that were damaged that I had paid out of pocket along with receipts for my riding suit and helmet.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">3 hours later he calls, \u201cyou\u2019re going to get an email but don\u2019t freak out. We don\u2019t have your bike in our system so we can\u2019t really give you an estimate\u201d The email said \u201c$430 in damage which is $70 less than your deductible&#8221;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Ha.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><span style=\"caret-color: #c8c8c8;\">My nearest BMW Dealer picked up the bike 2 days later. They do free pickup and delivery of new bike sales and service within 100 miles of their location. I live 93 miles from them. I can never move farther North\u00a0<\/span><img  decoding=\"async\"  class=\"mceSmilieSprite mceSmilie7 pk-lazyload\"  style=\"border: 0px; vertical-align: text-bottom; margin: 0px 1px; max-width: 100%; width: 18px; height: 18px; background-image: url(&#039;https:\/\/advrider.com\/f\/styles\/default\/xenforo\/xenforo-smilies-sprite.png&#039;); caret-color: #c8c8c8; background-position: -20px -21px; background-repeat: no-repeat no-repeat;\"  title=\"Stick Out Tongue    :p\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\":p\"  data-pk-sizes=\"auto\"  data-pk-src=\"https:\/\/advrider.com\/f\/threads\/my-insurance-experience-with-a-totaled-r1200gs-lc.1345307\/styles\/default\/xenforo\/clear.png\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Last photo of my bike before they picked it up:<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/z7HQjTl.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/z7HQjTl.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Five days later, they send me this estimate:<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/smrQ34C.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/smrQ34C.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I followed up that they actually missed a few things such as the damaged peg, luggage rack and they got the skid plate brand wrong. They revised it and sent this:<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/3dOFuja.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/3dOFuja.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">The adjuster a week earlier had told me his company will consider a bike a total loss if repairs are 3\/4 the total value (66.67%). I knew it was totaled when I saw that.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I sent the rest of my accessory receipts to them along with receipts. The adjuster calls, \u201cthis is the most detailed list I\u2019ve ever seen\u201d He was very impressed but this is just how I roll.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">During this process, I was not familiar but the BMW dealer was charging my insurance company storage fees at the tune of $55 a day. The max allowed storage time was 2 weeks on my policy so just under $800 was spent on my behalf to store a bike. More on this later.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">The parts list from BMW was obviously very high but I have now learned that love-marks we all just deal with are all considered a part of the repair so a scratch on the front fork, a $1700 part is enough to require a replacement where you and I would just ignore it and maybe give it some touch-up paint. The only parts I thought needed replacing were my pedals, pegs, crash bars and luggage rack\u2026still $3000 bucks going OEM but not enough to write off the bike. The muffler was also dented but BMW wanted $1600 for it. I was just going to take the money and buy a $800 Akra can but again, I never had that chance. I wanted to keep the bike but my Quebec friend was right.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">None of these quotes mattered because once BMW showed my adjuster the bent peg and a $4500 part for a frame, a part that BMW won\u2019t even sell you, the bike was totaled and none of these figures mattered.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I found out the final cost to repair value with the frame was $19,000+ and BMW won&#8217;t sell anyone a frame or at least it shows &#8220;on backorder for one year&#8221; so the possibility to repair it was out of the question.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I couldn&#8217;t buy the bike back from BMW because of the frame damage.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8212;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">2 Weeks from the crash, the adjuster called me while I was driving to BMW to say goodbye to my bike and buy a new one or at least see what new bikes they had in stock. \u201cI have some good news\u201d he said<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">The bike\u2019s value was $19,500 USD. They had 3 other comps nationally to mine that all had lower miles and were $18-20K USD. They actually settled pretty high. I was expecting them to low-ball me at $15K. BMW told the adjuster they\u2019d offer $17K on my bike for trade-in without the accessories. The fact that they came at $19.5 was good for me. My only issue with their form was they indicated my bike didn\u2019t have a skid plate or crash bars and I wanted to be compensated but eventually, it was determined I didn\u2019t have OEM bars \/ skid plate so thats\u2019 why those were ex-ed out and the aftermarket ones would be covered under accessories.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Unfortunately, the total loss settlement was $21,500, only $2,000 for $14,000 in accessories. I was so bummed. I started asking BMW what it\u2019d cost to remove the accessories from my bike. \u201cAbout $1100 they said\u201d I decided to wait it out because I saw that they valued the accessories at $10,500 but then they subtracted it down to $2K<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Did they screw up the amount I\u2019m insured for?<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I sent a note to my adjuster with my concerns while I waited for the finance manager at BMW to generate all of the forms that required my signature for a new motorcycle.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">From Thursday at 10AM to Tuesday at 10AM, I heard nothing from my adjuster. I remained patient. I knew that something was messed up but I was still going to be bummed if they only offered me 25% of the value for parts I had installed on the bike in 2018.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I spoke to BMW again on Tuesday to set up delivery of my new motorcycle, \u201cYour bike is still here\u201d they said. My adjuster on Thursday mentioned \u201ctomorrow is the last day we\u2019ll pay for storage at BMW\u201d It turns out my policy has a 2 week storage limit at $57 a day that they will cover and I\u2019d be responsible for anything beyond Friday. While they did have to pay more than the 2 weeks, they took ownership for forgetting to schedule the tow-truck to come in and pick up the bike. Definitely a word of advice is ask how much they\u2019ll pay for storage costs of your bike during the repair \/ estimate process.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Last photo of my bike before they picked it up where you can see all of the green stickies indicating things needing to be replaced:<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"https:\/\/c2.staticflickr.com\/2\/1908\/44909103112_aba5229d85_b.jpg\"  data-pk-sizes=\"auto\"  data-pk-src=\"https:\/\/c2.staticflickr.com\/2\/1908\/44909103112_aba5229d85_b.jpg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8212;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">On Wednesday, I received an email from my adjuster. He\u2019s been busy and the bike is now picked up and they made a mistake on the amount. He had the 3rd party re-do their paperwork with the $20,000 accessories coverage included. My bike\u2019s value was still $19,500 but they now are offering a total settlement of around 30K on the bike as it currently sits. T\u2019hat\u2019s $10K in accessories out of $14K. Their response was that tires that were on the bike, powder coating and the various iPhone mounts, accessory mounts, wiring and power management modules on the bike were not something they\u2019d reimburse. But they were going to reimburse all of the ergonomic, protection, comfort and lighting enhancements I made.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I accepted his offer thinking all week I\u2019d get $2000 back in accessories. I was certainly happy with that outcome.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8212;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">The next steps are all beneficial to people who are going to go through this but not very exciting.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><\/p>\n<ul style=\"margin: 1em 0px 1em 3em; padding: 0px; caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\">\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">I had to call my credit union and authorize they reveal my account information to my insurance company.<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">My adjuster now handed me off to a total-loss \/ salvage team within the insurance company<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">I sent to them my payoff information, loan account number and my main contact at the credit union and I confirmed I didn\u2019t have gaap insurance but I owed way less than they estimated the bike was worth without accessories so no worries there.<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">My adjuster said that I had to buy new safety gear in order for him to reimburse me for it and it must be of the same kind of gear so if my jacket is destroyed, I have to buy a jacket, I can\u2019t use the money for an airbag vest or new boots. I also had to buy them new from a major reseller, not eBay or Craigslist (or ADVRider)<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">I had to buy safety gear within a reasonable amount of time but not a huge rush. But since he has to give me checks in person, it\u2019s best if I get everything ordered ASAP so I put in a RevZilla order for a new helmet and jacket. He even joked \u201cyou could always return the items after you\u2019re reimbursed but you really shouldn\u2019t\u201d when I told him I was hoping to order new gear during Winter-sales in January.<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">Klim has a 5 year crash protection guarantee. My Badlands Pants were brand new so Klim replaced them (more on that below)<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">Klim did not protect the Adventure rally jacket since it was a 2011 model so I used my $500 to buy a new Badlands Proj Jacket which was a little more than $500.<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">I received an email that they paid $808 to my BMW dealer for storage fees and they paid money out from my settlement to my credit union<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">I met with my insurance adjuster 3 days later to sign power of attorney, title release forms and various other forms saying I am owed nothing else and I was given 3 checks, one for $500 for a helmet, one for $500 for safety gear and another for the remaining balance minus my $500 deductible.<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">I asked the adjuster after accepting the settlement offer on the phone \u201cwhen can I cancel my coverage?\u201d He said, \u201cyou should have already done that. Call them to cancel your coverage and put the day after the crash took place. I did and they cancelled it and refunded me some money or unused coverage as my policy was only 2 months in when the crash occurred.<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">My insurance company on the total loss form, subtracted $542 of my bike\u2019s value for 13,700 miles on the odometer meaning it cost 3.9 cents per mile to operate my bike based on insurance value.<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">It took from September 7th until October 11th to receive my final check. Things do take some time for everything to line up.<\/span><\/li>\n<\/ul>\n<p><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8212;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Some immediate advice for everyone here. Call your insurance company and ask them these questions:<\/span><\/p>\n<ul style=\"margin: 1em 0px 1em 3em; padding: 0px; caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\">\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">What do you cover for riding gear? Is it the full value if I have receipts or do you depreciate the value over time? Is there a policy limit on riding gear? Do you cover air-bags?<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">What is the policy limit for my helmet? Do you cover communication systems?<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">What is the maximum days \/ monetary value you will pay for storage while my bike is being repaired \/ estimated?<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">Do you require a police report for single-party incidents with no bodily or property damage?<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">What is my accessories coverage? Is it a depreciated value based on time?<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">What is the adjustment for miles on a per mile basis?<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">How do you decide my bike\u2019s value? What source? Can I send you comps for consideration?<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">How many miles do you cover towing on my bike? What if the nearest BMW Dealer is 200 miles away? What is my out of pocket costs?<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">What is your value to repair ratio of deciding when my motorcycle is a total loss? (My insurance was 3\/4 repair to value which I was told is pretty low compared to other companies and sometimes it\u2019s the state that sets this law).<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">When can I cancel my coverage if my bike is found to be a total loss?<\/span><\/li>\n<li style=\"margin: 0px; padding: 0px; list-style: disc outside;\"><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\">What is my rental fee coverage?<\/span><\/li>\n<\/ul>\n<p><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8212;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><span style=\"caret-color: #c8c8c8;\">My Experience with\u00a0<\/span><a class=\"externalLink\" style=\"color: #000000; text-decoration: none; padding: 0px 3px; margin: 0px -3px;\" href=\"https:\/\/www.klim.com\/gear-protection-guarantee\" target=\"_blank\" rel=\"nofollow noopener\">Klim\u2019s Great Protection Guarantee<\/a><span style=\"caret-color: #c8c8c8;\">. This program has very little fine print. If your garment is less than 5 years old and is Gore-Tex and was purchased from Klim or a reseller new, they\u2019ll replace it for you if you\u2019re involved in a crash. You have to present a police report from the crash or relevant insurance claim information along with photos of the gear. Once approved, you will have to send your gear to Klim at your expense and once they receive tracking information, they will send out your replacement gear.<\/span><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">They utilize the crashed gear for research and analysis to improve the garments and the payment to you is that they replace the gear with something comparable. In my case, they replaced my Badlands 2017 pants with a 2018 Badlands Pro pants since the 2017 model is no longer made. I did not ask but I assume my 5 year guarantee doesn\u2019t start over though. I have 4 more years of gear protection coverage on the new pants and I hope I don\u2019t have to use it<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Here are some photos of my gear:<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/ZlxLkCV.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/ZlxLkCV.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/XSJsJy3.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/XSJsJy3.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/NoGqKiO.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/NoGqKiO.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/LyizhNs.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/LyizhNs.jpeg\" ><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/mnJJDOn.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/mnJJDOn.jpeg\" ><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/UZcoSeM.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/UZcoSeM.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/PEJQdFy.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/PEJQdFy.jpeg\" ><img  decoding=\"async\"  class=\"bbCodeImage LbImage pk-lazyload\"  style=\"border: 0px; max-width: 100%; caret-color: #c8c8c8;\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"[\u200bIMG]\"  data-url=\"http:\/\/i.imgur.com\/DomXhxl.jpeg\"  data-pk-sizes=\"auto\"  data-pk-src=\"http:\/\/i.imgur.com\/DomXhxl.jpeg\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8212;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I went back to another insurance company after the crash to look at my options for coverage. In their case, they cover the full retail price of my safety gear so despite their policy being $350 more per year than my current insurance company, the $1400 Klim Jacket, $700 pants, $300 boots, $600 helmet and $300 Sena would have been completely replaced. They also do not charge more for accessories coverage They will cover any and all accessories and there is no limit so long as you have receipts. They would depreciate the value of those accessories and could not give me a figure but the agent said it\u2019d be very similar to what my company did.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">With that information, I may switch back to the other insurance company. Even though my experience with my company was overall pretty good, I think the gear limits of $500 for all safety gear would be fine if I primarily wear Joe Rocket gear and finger-less gloves but I live in the cold north with lots of rain so I wear pricey Gore-tex suits and the value is 4 times higher than $500 when I leave the house. Everything else about my insurance was a good experience.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">I\u2019m a few weeks removed from the incident now but I certainly don\u2019t feel like the whole ordeal left a bad taste in my mouth. I\u2019m happy overall with the outcome. I just had to use some of my settlement money to replace my riding suit and helmet but gear is more important than modifications.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">My new GS Adventure in red won\u2019t be modified as much now that I see the diminishing returns of mods being so small compared to the cost out of pocket.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"font-family: Helvetica; font-size: 12px; color: #000000;\"><span style=\"caret-color: #c8c8c8;\">I will say that if I had known better, while the bike was at my house for 6 days before BMW picked it up, I would have taken every accessory off the bike that wasn\u2019t damaged and moved it over to another bike. I think selling the accessories on ADVRider though would have been less profitable than just letting my insurance company pay me for them when you factor in shipping, PayPal fees and my time dealing with you cheap guys\u00a0<\/span><img  decoding=\"async\"  class=\"mceSmilieSprite mceSmilie7 pk-lazyload\"  style=\"border: 0px; vertical-align: text-bottom; margin: 0px 1px; max-width: 100%; width: 18px; height: 18px; background-image: url(&#039;https:\/\/advrider.com\/f\/styles\/default\/xenforo\/xenforo-smilies-sprite.png&#039;); caret-color: #c8c8c8; background-position: -20px -21px; background-repeat: no-repeat no-repeat;\"  title=\"Stick Out Tongue    :p\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\":p\"  data-pk-sizes=\"auto\"  data-pk-src=\"https:\/\/advrider.com\/f\/threads\/my-insurance-experience-with-a-totaled-r1200gs-lc.1345307\/styles\/default\/xenforo\/clear.png\" ><\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">&#8212;&#8212;&#8212;<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Final thoughts, I was lucky. I wasn\u2019t underwater on my bike down (don\u2019t finance for a long time guys and keep an eye on interest rates), I wasn\u2019t injured, I didn\u2019t hit anyone or damage anyone\u2019s property but my own and didn\u2019t end up in legal matters having to defend myself after killing someone in another car or a pedestrian or slamming through someone\u2019s front window. It was a single person, single vehicle incident in the middle of nowhere Vermont on a fully insured bike and I was wearing all of my riding gear. I almost just wore a jersey that morning with my riding pants. I\u2019m glad I wore the full suit. No one plans on crashing but when you do, be in your full riding suit. Seriously, it\u2019s not worth all of the shit I\u2019d still be in had I just been wearing my thermals + jersey.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">However, despite how simple this all was, it gave me a great glimpse into how insurance works. This being my first claim, I learned a lot and I\u2019m happy it\u2019s all behind me. I have a new bike, my insurance rates actually went down with the same company on the year newer bike and now the modifications begin\u2026after I ride it this month. It\u2019ll be snowing soon so I\u2019m going to just ride it and enjoy the new bike before it goes in the garage for the long winter of modifications.<\/span><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><br style=\"caret-color: #c8c8c8; color: #c8c8c8; font-family: Tahoma, Geneva, sans-serif; font-size: 16px;\" \/><span style=\"caret-color: #c8c8c8; color: #000000; font-family: Helvetica; font-size: 12px;\">Thank you for reading. I hope this record of my experience helps others. 4816 words. Sorry!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"Housekeeping: This post is going to be missing some specific financial figures and mostly work in round numbers&hellip;\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_custom_appearance":"","csco_disable_excerpt_posts_layout":false,"csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[148],"tags":[],"class_list":{"0":"post-7891","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-my-bike","7":"cs-entry","8":"cs-video-wrap"},"apple_news_notices":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/pb3IC4-23h","jetpack-related-posts":[{"id":7096,"url":"https:\/\/adamchandler.me\/blog\/2017\/08\/24\/mottorad-goodbye-to-the-r1200-gs-adventure-2009\/","url_meta":{"origin":7891,"position":0},"title":"Mottorad: Goodbye to the R1200 GS Adventure (2009)","author":"Adam Chandler","date":"August 24, 2017","format":false,"excerpt":"Last week, I detailed my bike and captured 150 photos of it from every angle I could think of. Only a drone kept me from capturing an aerial image of the amazing bike. March of 2016, I introduced my readers to the motorcycle in this post. 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It was 6 weeks ago that I passed my MSF Basic Riders Course and 4 days since I passed the MSF Advanced Riders Course. In the last 4 weeks of riding, I\u2019ve passed 1500 miles on my bike. 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Developed in desperation by BMW to keep up with an industry moving to liquid cooled, fuel injected bikes with anti-lock braking systems. BMW\u2019s Boxer motor, still air-cooled (and would remain air-cooled OR oil-cooled until 2013)\u2026","rel":"","context":"In &quot;My Bike&quot;","block_context":{"text":"My Bike","link":"https:\/\/adamchandler.me\/blog\/category\/my-bike\/"},"img":{"alt_text":"1995 BMW K75 RT Metallic Blue","src":"https:\/\/i0.wp.com\/farm8.staticflickr.com\/7901\/31483691227_309dde2744_c.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/farm8.staticflickr.com\/7901\/31483691227_309dde2744_c.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/farm8.staticflickr.com\/7901\/31483691227_309dde2744_c.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/farm8.staticflickr.com\/7901\/31483691227_309dde2744_c.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/adamchandler.me\/blog\/wp-json\/wp\/v2\/posts\/7891","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamchandler.me\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamchandler.me\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamchandler.me\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/adamchandler.me\/blog\/wp-json\/wp\/v2\/comments?post=7891"}],"version-history":[{"count":0,"href":"https:\/\/adamchandler.me\/blog\/wp-json\/wp\/v2\/posts\/7891\/revisions"}],"wp:attachment":[{"href":"https:\/\/adamchandler.me\/blog\/wp-json\/wp\/v2\/media?parent=7891"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamchandler.me\/blog\/wp-json\/wp\/v2\/categories?post=7891"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamchandler.me\/blog\/wp-json\/wp\/v2\/tags?post=7891"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}