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If you weren’t riding the bike, how would it be collision coverage? Some Yahoo struck your property— could have been a house or a piano, you have no fault in that.
 

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I guess it's what I should have said to the agent because I got off the phone with them a little while ago and was informed that I will not be covered as it's considered a collision.

Should've said the tree did it.
So call them back and clarify. The bike was parked in a legal spot, ignition off and you were not present.

This is similar to vandalism.
 

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Your problem may lie in who the owner of that car is…. Any idea if that precinct has enough off street parking for all of their personnel, even with a shift change involved?
 

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It sucks if it is. Me being in my 60's, I could walk in and ask to speak to the station commander, and explain the situation and ask them to look into it. Doing the right thing is actually the default setting, for most people in this world. The fact that the person who hit you left a note, and then ghosted your calls tells me there is a guilty conscience involved. Almost like they took some (what I would consider to be) bad advice from a coworker......
 

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To go all the way back to your original question concerning the tank..... in a perfect world your insurance would cover the replacement of the tank, and whatever other damage has been done to your bike. That's what I would expect if NY is a 'no fault' state.... pay your deductible and get everything fixed the right way. A new gas tank, new bar end, new slider, probably a turn signal, and whatever other panels on the bike got scratched up is going to be far more than whatever deductible you may have. I wouldn't be at all surprised if the retail cost of the parts that are (probably) damaged would exceed $1,000. New gas tanks are expensive.

From my perspective, this is similar to getting a rock in your windshield -- there's no moving violation involved as you weren't on the bike, and it was in fact parked. The deductible for those kinds of random acts is much less than that for an accident you are assigned blame for. You are purely a victim in this instance. It's very similar to an act of vandalism against your bike. So long as you were legally parked in a public parking space, all fault lies with the person who was driving that car.

Might be a moving violation for the dipstick that hit your bike and knocked it over, but not for you.

So on to the question of what to do about the tank. If you cannot get your insurance company to see reason and honor your claim on this, the least expensive option is to simply cover the damage with a tank slider. I would personally go a little further than that.

Shoot the area with primer and paint it with as close a match to OEM as you can (colorite.com sells kits for this) then wait for all of that to dry before applying the slider, to prevent rust on the outside of the tank as long as possible. If you have the conditions available to do the work and the patience, this can be done to a fairly high level of quality.

As you have unfortunately discovered, bikes are not stable things and they eventually fall to earth for any number of reasons. Gravity sucks, all the time. Eventually we all forget that.

I'm personally suspicious of anyone who tells me their bike has never been down, or that they've never been involved in any sort of accident whatsoever. The odds of that are so strongly against me meeting someone that's true of, I default to the more realistic 'someone's hiding something'.
 

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Thanks for the input. I planned on doing exactly that. I've got the dent taped right now so it doesn't get wet but I planned on trying to take it to a shop to at least get the dent out, doing an amateur paint job with the oem color from colorrite and then putting the tank slider on it.

New tank is ~800 for current year and ~1k+ for previous years so, tank slider it is!

Appreciate your help RJ.

This is the fall back plan, if your insurance company doesn’t honor your claim- and I would go so far as to threaten court action before I let up on them. I’m assuming that you have more than minimum coverage liability insurance?

Again, you are the victim not the criminal. You played by the rules and you’re getting screwed.

Make the claim against your insurance. Present them with a shop estimate for parts and labor to restore your bike to as new condition.

Do the work installing the parts yourself, and what they pay you for new OEM parts will cover your deductible. Shop rates are easily $100/hr and you’d be looking at a few hours minimum so I could see your net payment being $700+, no matter what deductible you have.
 

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I have liability, comprehensive and uninsured motorists insurance (which doesn’t cover property damage here in NY).

I’d have to try and fight the comprehensive avenue, though they have record of my claim in written format of me detailing how I THOUGHT a car backed into my motorcycle…

If anything that I say is what goes, though, couldn’t I just say a UFO knocked my bike over and it’d be vandalism?

I don’t KNOW if a car backed into my motorcycle. I just know it was on the ground with a note. Shouldn’t they have to prove if it was knocked over or not?
So. You're covered if you were on the bike?........
 

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If you want to keep riding, buy a sleeper instead of something bright and shiny. A 'rat' bike can be every bit as quick and nimble as a brand new bike. Cosmetically ugly is less appealing to the thieves of the world.
 

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If all you're trying to do is park a bike in that gated area, you don't need a full space to park in...... you're actually better off jammed into a corner no one else can park in, surrounded by cars. Especially if you are allowed to put a chain around something solid in that area. If there is a spot that has the stanchions around it to keep trucks etc., from cutting too close to the elevators, etc., that's a good spot for you to park a bike under a generic cover.

I know $200/mo for a garage space sounds like a lot, but if that's something you could split with one or two other riders, it's nowhere near as much of hit. With some finesse, you can put as many as four bikes into one car parking space.

Insurance stats on what bikes are the most stolen, and which aren't can be very helpful in selecting what you personally want to ride. Nothing will stop a determined thief, but making your property less desirable than someone else's is a step towards keeping yours.
 
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