Yeah, not one to whine myself.That's good news, Man. Grabbing that wood will probably be quite a workout, but a useful one. Hope the wrist hangs in there.
Not to hijack your thread but another trip to the rehab. and results are better than expected: overall, about 80% of function / movement returned which is far more than the therapist (or I) expected. Wrist <seems> to be healing well, and mobility returning. Wised up and took Alleve BEFORE P.T. instead of after so pain is minimal. They extended me two appoints for P.T., for a total of six at one- week intervals. Seven weeks since surgery and 8 weeks since breaking the bone so it is going better than I had been led to belief (that is NOT a complaint!).
Ran into a pile of firewood for the taking right after P.T. appointment- here is to hoping that the wrist is up to some light duty use in retrieving said firewood.
Brian
Brian, any success with that bone stimulator?
Brian, any success with that bone stimulator?
That's good news, Man. Grabbing that wood will probably be quite a workout, but a useful one. Hope the wrist hangs in there.
Did you buy back the bike from the insurance company? I must have missed that.... Typically, they will pay you for the loss and the vehicle then belongs to them (unless you buy it back). In such cases, you should be allowed to remove any customized or added components, as long as you return it roughly to stock components (put back or at least give them what you originally removed/replaced... like factory muffler, seat, bars, racks, whatever).Not yet, but that hasn't been discussed yet. If it becomes an issue, I'll cross that bridge when I get to it. That's why, wheels, tires, and all the basic stuff is still on the bike. The rest, in a pinch it'll all slip back into place. I doubt they'll miss the cruise control, and aftermarket lighting. Bike is too crunched up to believe that all survived.
How do you buy a vehicle you already own?I also think this.
The insurace company covers you for the loss of value of the vehicle. The title is not what is insured. The vehicle isnt insured. Its the monetary value. If the bike is worth 10k they pay you 10k. The title and vehicle remains yours.
They cover the loss in value not the object.
And yes I have been through tis and the adjuster (why not claim agent) told me I was correct and how did I know this.
I still have the bike and no salvage title. It remained in the safe.
How do you buy a vehicle you already own?
The insurace company covers you for the loss of value of the vehicle. The title is not what is insured. The vehicle isnt insured. Its the monetary value. If the bike is worth 10k they pay you 10k. The title and vehicle remains yours.
They cover the loss in value not the object.
And yes I have been through tis and the adjuster (why not claim agent) told me I was correct and how did I know this.
I still have the bike and no salvage title. It remained in the safe.
Anyway, it was my understanding that if your vehicle is totaled and you accept the payout, the insurance company then owns it: title, vehicle and value ... all of it.
Maybe you could decline the payout and keep the totaled vehicle (maybe not in all states, though), and if so you have to decide if the amount they were offering you is worth declining in order to keep it.
The above is incorrect. It is YOUR vehicle. The check only covers the monetary loss in value. The title is not covered.
Your house gets hi by a tornado. Dou you buy it back from the insurance co or do you use the settlement to rebuild?
They cover your loss in the value of the home. You are "made whole" with the settlement. That is the job of the insurance co...to make you "whole".
Remember I have been down this road. And I have the vehicle. I was paid full book value. I repaired the vehicle. Title remained in my safe. I was made whole.
The bike is a 87 Moto Guzzi 1000 SP II. One of 100 imported.
Fairing/body parts are now made of unobtanium. All damage was strictly cosmetic. 3500 worth.
The fact remains the adjuster told me I was right saying the vehicle was still mine and they only cover the value.
He axed how I knew this. I told him I heard it from a friend...an insurance adjuster.
Insurance companies dont want you to know this because t reduces their payout on the claim.
Their bottom line is how much they pay you. Doesnt matter if you take them to court, legal fees come from a different pocket and is not figured in.
Besides, if the hike is totalled and has scrap vale shouldnt I get that money instead of them? If they consider it a total loss then it has no residual value...right?
The bank should never send the title to the vehicle. They are not buying it. They are paying for the loss in value of the bike not the title. It has no actual value.
The "buy your own vehicle back" is a scam by insurance companies to reduce their payout.
Btw it cost 1300 and my time to fix the hike. I pocketed the balance.