tldr: Are there any strategies for negotiating with an insurer for a higher total loss claim on a motorcycle?
Back in June I was in a small accident on my motorcycle. I was in a roundabout and a pickup cut in front of me, I struck the front driver's side fender going 10-15 mph. This visibly damaged the front fender, headlight, handlebar and right hand control on the cycle, I had no injuries. The local Harley dealer provided an estimate of damage that includes the above, but also the front forks, front wheel and the tank, more than $6000 in total repairs (nearly what the bike is worth). Other driver's insurer has offered a total loss for the bike. I am skeptical of the claimed damage to the forks and wheel, the dealer claims they include those in every front collision because they cannot tell if they were damaged but assume they are. Really? I've hit potholes at 65 that sent more force through the wheel and forks than this collision. Also the tank damage is a microscopic scratch underneath (i first thought it was bug guts) and a tiny scuff (can only be seen in the perfect light) that can be buffed out with rubbing compound.
I am very frustrated that the bike has been totaled, but will keep the it regardless of the insurance payment and fix myself or have a shop fix it. I have sent the insurer a list of the after market accessories on the bike, but am not sure how else to negotiate for a higher total loss figure. Are there any strategies that might work?
