The inspection process
If your motorcycle accident insurance claim requires an inspection, your claims rep will work with you to have an appraisal inspection scheduled.
An appraiser will assess the extent of damage to your motorcycle and evaluate whether it is cost effective to repair it, or settle your claim as a total loss.
The amount paid toward your motorcycle will depend on the types of coverage you have on your policy, as well as the type of incident (theft, vandalism, collision, etc.).
The adjuster's report
Your claims adjuster will contact your claims rep with an estimate of the damage (if the damage to your bike is determined to be reparable).
The amount paid toward your motorcycle will depend on the types of coverage you have on your policy, as well as the type of incident (theft, vandalism, collision, etc.).
If your claims adjuster determines that the repair costs to fix your motorcycle exceed your ride's worth, they will suggest that it be written off as a total loss.
Your claims rep will then make a recommendation for a settlement based on different factors, including your bike's salvage value.
The insurance settlement
If it is determined your motorcycle is repairable you will be provided a copy of the estimate along with your settlement payment. If it is determined to be a total loss, a total loss representative will be assigned to work with you on the settlement and the options that are available to you.
Closing your claim
After the settlement is finalized, your rep will close your claim. You should retain their information if you have any questions or concerns at the conclusion of your claim.