That's was why I was mad. The week long wait was for them to even figure out what to order after an adjuster had done 80% of that job
First off, jcb7469 - THANK YOU FOR YOUR SERVICE!
Now, please allow me to let all of you guys in on some valuable info: "an adjuster had done 80% of that job" is completely incorrect (I'm not saying that to be rude to you Sir). I have spent the last 21 years dealing with these adjusters all day every day. I am an estimator at a large volume collision repair shop & 2 of those 21 years I was an adjuster (and not proud of that) so here is how it works with an insurance claim:
The adjuster is not trained to give you an accurate "repair plan" to properly & completely repair your vehicle/bike. Their job is to inspect it, & then make an ESTIMATE of only what they can see. they are usually not experts on bikes, some are actually ex body men or shop estimators, but it would be very rare to see an ex bike shop employee, so the only way they can even start to know what to base an estimate off of is they either have a program on their laptop that has vehicles identified by the VIN that can actually give parts/prices & labor times but RARELY do they have a program for bikes. If they do, it would be very limited on specific bikes. If they don't have a program; some have books (usually old & not up to date prices. Some years old) & they use those books to manually type in repair lines on a "generic" estimate in their auto estimating system. If they don't even have books, they will take photos & write down a list & take that to a shop (or inspect it at the shop) & have the shop give them an estimate, which would obviously be the best scenario. Now, after that 1st inspection for the initial estimate which I like to refer to as "Just a starting point" (That's why it's called an estimate & not an accurate), then the vehicle has to be disassembled to find any hidden damage & that starts what is referred to as a "supplement" - I realize on your particular bike that maybe all of the damage is visible - but there can still be additional things come up during the repairs that were not originally noticed or other things can break when removing parts to access your damage, ect, ect. (**** happens).
All of this additional damage is owed as PART OF THIS CLAIM so the Insurance company, even if they write a check for the initial estimate, still owes the "supplemental" damage charges that they would make another check for & pay the shop direct. What I'm saing is your original check is NOT a final payment, they could potentially owe more - BUT, here's the rub. They will not pay a supplement unless the veh/bike is actually at a shop & the additional damage list is sent to them while the vehicle is completely disassembled, still at the shop so they can come verify the additional damages.
In your case, if they wrote initial estimate at $110.00 per hour & it is now at a shop that charges $65.00 if they send in a small supplement, the adjuster will change the labor rate to match the shop rates & if that negative amount is more than the supplement amount - You would owe $ back.
Also, if there is a lien on the bike the insurance company is obligate to protect the lien holder so that they are not financing a broken vehicle that if they ever had to repo, would not sell due to the damage that didn't get repaired. so the Ins company has to make the initial check out to You AND either the lien holder or the repair shop. if they make it to you & the L/H - the L/H will not endorse it for the shop to be able to cash it until you have proven to them that the work has been performed. sometimes they actually want the veh. brought to them so they can inspect it. whew.................... It's best to have it made out to you & the shop to prevent that hassle.
Now you can see where this can turn into a can o worms if you tried to do the repairs yourself because if you needed a supplement, they would not pay it because you are saving the labor $$$ they have already paid for.
Re: your question of putting on different parts/repaint, ect. they owe you for the $ amount of the damage to what is on the bike, so if you choose to upgrade & a mirror cost $75 - you would have to either buy a set you like for $75 or pay the difference yourself. No biggie.... also when they owe you for a engine guard bar & it can only be bought as a set of 2 (or any other parts that are only sold as 2) - they owe the price of that BUT MAKE SURE the shop gives you the one for the other side to keep as a spare if needed later. it is yours, don't let them keep it.
you will not have enuff $$$$$ in what is owed for the repairs to repaint/color change, or custom paint - That would have to come outta your pocket.
That's all I can think of at the moment - I hope this helps all - Any other questions, just ask - Sorry for such a long winded post but I feel it is important info to know
