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Discussion Starter · #1 ·
Hi again...last year my bike was stolen. Got a new one this year and someone backed into it, knocked it over, left a note, but will not answer their phone lol.

Anyway, this is (some of) the damage and I was wondering on you guys' opinion on if I should just throw a tank slider over it or replace the whole tank:

Fuel tank Wheel Vehicle Tire Hood


It seems a bit daunting to sand and repaint. I'm leaning more toward trying to get the dent out and just putting a slider over but I'd like to hear your experienced opinions!

Thanks!
 

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Discussion Starter · #3 ·
Maybe they gave you a fake phone number?? ie, not their phone number


Comp claim on insurance??? get new tank and bar etc, pay your deductible and let insurance go after whomever did it? if they find them- you get your deductible back

Did you file a police report, you should........
Probably a fake phone number but I found a pic linked to it through Whatsapp and its also an iMessage linked number.

I think this would be a collision claim though? I have comp but comp is supposed to only cover theft, fires, natural disasters, vandalism etc.

I did file a report. NYPD can really drag their feet sometimes though. They didn't check cameras, nada. And i'm parked LITERALLY right outside their parking lot lol.
 

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Discussion Starter · #5 ·
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.
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.
 

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Discussion Starter · #8 ·
I'd be so pissed off I would go to ever business around and ask if their cameras may have a view of the spot. If the police building is right there they 100% have footage of it.
Yeah...I did. I became the detective actually lol. NYPD didn't check any cameras. They actually called the phone number about 7 times and then after the 7th try, they *67 their number because NOW he was going to pick up lmao. Comical.

I found 2 places with cameras and spoke to both people who didn't want to give up the footage. Frustrating.

But between me knowing what car I parked behind that night and a witness saying they saw a grey car with no license plate and me having grey paint residue on my motorcycle, I'm pretty sure I know what car did it.
 

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Discussion Starter · #10 ·
Not 100% sure but they do have a semi large parking lot about 50 feet away...

I have the vin of the car as well as pics of what may be damage from them backing into me:

Car Tire Wheel Land vehicle Vehicle


Really have to zoom in but the right side of the rear bumper has dmg...and the rest of the car is PRISTINE lol. Expired jersey plates, etc. This was the car I parked behind the night before. My rear cowl has a shiny spot too, as if it was burned by their exhaust but I don't think think its worth going after that.

I think you have a point here. It maybe was one of them.
 

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Discussion Starter · #12 ·
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......
Man...the more I think about it, the more I think you're right. It's very very fishy.
 

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Discussion Starter · #14 ·
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'.
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.
 

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Discussion Starter · #16 ·
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.
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?
 

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Discussion Starter · #19 ·
So. You're covered if you were on the bike?........
Naw bud. I called them yesterday again....first rep knew what I meant and transferred me to a property damage...person.

She proceeded to tell me from what she has, it was a collision. And I asked her, what is it that you have that makes it a collision? No one saw anything. No footage, nothing. And she regurgitated the same thing over and over...I was in the middle of a haircut so I hung up but I'll be bothering State Farm for a while with this one. Just to be that guy. And then i'll cancel my policy with them.
 

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Discussion Starter · #24 ·
Hey guys...update!!!!!!!!!!!
MY BIKE WAS STOLEN AGAIN...LITERALLY A YEAR LATER. THE SAME SHIT HAPPENS HAHA.

June 2021 my bike was stolen before I went to the beach, this time it was stolen after I went to the beach. Had it for the same amount of time etc. Different locations. Had a rotor lock and a tracker....they took the tracker out and threw it on the street. XD

Gotta love New York City.
 

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Discussion Starter · #27 ·
You are likely to become uninsurable very shortly......
Didn't have comprehensive with progressive last year so I paid out of pocket.
Have comprehensive this time but still...yeah I think I'm out of the game. NYC is no place for a motorcycle if you don't have a garage. Such a shame.
 

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Discussion Starter · #30 ·
How much would it be to rent garage space?
Around me right now (Economically challenged area lol), a garage is around $200 a month.

My apartment complex has an outdoor gated parking space but I've been on the waitlist since April.

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.
Have an older friend who wants to get me his VFR 750 but idk. This just took the oomph out of everything ATM. Demoralizing.
 

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Discussion Starter · #35 ·
Damn, that was a newer ZX6R too. Looks like mine man. This makes me so mad seeing stuff like this. Do you get a new bike? Will INS cover this?

Maybe you’ll get some good news, hopefully he won’t ever be able to walk again Ya know lol.
haha, the officer on scene said he had priors so I’m hoping this felony gets him for some time.

I do have comprehensive so they should pay out, although the claims specialist said they have to do an investigation because I had a motorcycle stolen a year ago.

‘twas literally a ‘22. Fuck that guy but I’m glad I just got some closure.
 
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