[Peter]

This may be specific to the insurance you have, but I have Progressive, and I dropped the bike (going very slow 5-10mph) the right fairing is cracked, and the most visible scratches are on the muffler and fairing. The damage is only cosmetic, so I do not plan on replacing it yet since I'm afraid I might drop it again; however, is there a better way to go about this? If I file a claim with my insurance and have them cover all or part of the repairs, will my rate go up? Since the damage is cosmetic mainly (right fairing, right turn signal scratch, etc. - most expensive being muffler), it shouldn't cost too much to pay for repairs myself, right? or wrong? What would you guys do if you were in my situation?

 

[icon1k]

I have same prob gonna try repair it myself otherwise ill buy new fairing not gonna file
claim

 

[GenPatton]

This may be specific to the insurance you have, but I have Progressive, and I dropped the bike (going very slow 5-10mph) the right fairing is cracked, and the most visible scratches are on the muffler and fairing. The damage is only cosmetic, so I do not plan on replacing it yet since I'm afraid I might drop it again; however, is there a better way to go about this? If I file a claim with my insurance and have them cover all or part of the repairs, will my rate go up? Since the damage is cosmetic mainly (right fairing, right turn signal scratch, etc. - most expensive being muffler), it shouldn't cost too much to pay for repairs myself, right? or wrong? What would you guys do if you were in my situation?

Repair it yourself. I wouldn't even worry about it. If it's your first bike, you may drop it again. Just ride it and enjoy it.

Making a claim due to you dropping it will probably raise your insurance, and, depending on your deductible, wouldn't be worth it.

Most people keep insurance out of the loop unless something major happens to their bike.

 

[cbzdel]

How much is your delectable? Do you own it or financed?

 

[bryce]

It most probably will go up as it was your fault. Some companies don't screw you on the first offense.


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[Captain]

insurance will do anything to raise your rates... i wouldnt do it.

but now you have an excuse to get a neeewwww muffler.... two bros maybe?

 

[Peter]

Thanks for all the feedback. I planned on doing just as much, just not worrying about it until I'm experienced enough to have less chance of dropping it. Till then, cosmetic damage just shows I have experience (though more likely the opposite).

How much is your delectable? Do you own it or financed?

Have to check on the deductible, I know it's $500 for lost, stolen, totaled, but not sure if same for repairs.
I put 2k down and fininancing 3900.

insurance will do anything to raise your rates... i wouldnt do it.

but now you have an excuse to get a neeewwww muffler.... two bros maybe?

Haha, I thought the same thing! Though two bros would be amazing, I want to get an exhaust that is street legal, so I was looking at the stubby tri-oval delkevic (carbon fiber). It has a removable baffle to keep it down to "neighborhood friendly" noises. I know those laws aren't enforced very strictly, but I'd still like to stay on the good side of the law. I want something that sounds deeper, not necessarily louder.
But I am still in my break in period (225 miles on it right now - the 37mph speed is killing me ), so I plan on getting it when I am better at riding and done breaking it in so I can go faster.

 

[NoD GP]

You already dropped her, might as well ride her hard like the majority rest of us did.

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[thecomputerguy06]

you have to do some math. Right middle fairing is $399. Then add in the turn signal or just replace it with a fender eliminator (if it was rear). Just add up all the parts, tax and shipping. If you have a 6 month policy, split that number by 6 and see if the difference in premium will be more or less. You can get a premium estimate without filing a claim. If it comes out cheaper in the long run to file a claim, you make the choice.
One thing to remember is that if you file a claim, this accident is on file forever. You will have to take a hit when and if you ever try to sell it. No claim and nobody has to know it was dropped. I encourage honesty in all situations but you get the point