Why Is State Farm Refusing to Total Out My Motorcycle After an Accident?

Why Are Motorcycles Not Totaled Out After an Accident?

This is a great question, which is going to be followed by a great answer. An insurance company will not total out a motorcycle, if they believe that it can be “safely” repaired. In general, in the insurance industry, if a motorcycle has an accident and 50-75% of the motorcycle’s actual cash value is affected by the crash, then it is not worth it to try to repair the motorcycle. Additionally, there are state and specific insurance mandated guidelines that advise an insurance company what and when they can total out a car or a motorcycle.

You have to remember, the insurance claims adjuster is making a determination of whether to total out a motorcycle based on a blue book, NADA value or other sales values of motorcycles in your region or residential area.

Is this an exact science? No, not really, unless the specific claims adjuster assigned to your claim is: a) A motorcycle mechanic who understands the parts of a motorcycle, knows when damage can be repaired or needs to be replaced or puts together motorcycles by hands and knows every component to a motorcycle, or b) Understands part a) quite intimately, as well as knows how to do his or her job exceedingly well, and will err on the side of good judgment to total out a motorcycle in the interest of ultimate safety of a motorcycle driver who needs to either repair or replace a motorcycle after an accident. Whew, that is a lot to digest, but let’s look at this a step further. You are going to need to put on your motorcycle repair technician’s hat for this one.
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Important and Critical Parts of a Motorcycle Can’t Be Just “Repaired” After a Wipeout Crash

Okay, now we are going to dive deep, and look at the components to a motorcycle. Technically, every part of a motorcycle is important, but some parts need to be scrapped and allow you go buy a new motorcycle, these components should not be repaired after a motorcycle accident.

• Engine – if the engine is damaged in a motorcycle crash, it can knock out the cylinder, pistons, rods, axles, cranks and throw the system off balance to make the motorcycle unsafe on the roads.
• Suspension – the suspension on a motorcycle uses springs to absorb shocks and impacts of riding on the roads and highways. If your springs are shot, then you’ll be in for a very bumpy ride indeed. The front forks suspension, rear suspension, swing arm or hydraulic dampener at the rear of the motorcycle need to be in tip top working order. After an accident, these components can’t be adjusted enough to work together properly as the dream team they need to function as with a new motorcycle replacement.
• Wheels – Yes, granted, a tire puncture after a motorcycle accident can be replaced. But if the wheel housing is bent in any way, is it going to be tapped back into place safely, really? It is better to scrap this and go for a new motorcycle in that situation.
• Brakes – motorcycles have two sets of brakes controlling the front and rear wheels, and will house disc (used on large motorcycles) or drum brakes (on smaller motorcycles) for a motorcycle unit. Once again, if this housing is bent, crooked or cockeyed, you are not going to be able to let a shop “tap” it back into place, and call it a day. You need a brand-new motorcycle to ensure the safety measures on the motorcycle are intact, when it comes to something as important as how the motorcyclist is able to make a proper stop.
• Motorcycle controls – the throttle, brake levers, clutch lever and gear changer are critical parts of a motorcycle. If any of these components are damaged in an extensive motorcycle crash, there will be issues in how the motorcycle handles, further down the line.

Now that all of the major components of a motorcycle are systemically reviewed, it is easier to understand that when a motorcycle is in an accident, it more than likely needs to be replaced, not spot repaired. If you have been in a serious motorcycle accident with personal injuries, and State Farm refuses to total out your motorcycle, you need to call us at the Normandie Law Firm today.

It doesn’t take a motorcycle top rated mechanic to understand, that in the name of safety for the motorcycle rider, more often than likely the motorcycle involved in an accident will need to be totaled-out, and not sent to a repair shop.

Can I Sue – Do I Have a Case?

Yes, you have a case if the State Farm Insurance representative refuses to total out your motorcycle after a serious crash. We can sue and bring an action against State Farm for the value of your motorcycle, in the event that they refuse to total out your motorcycle after a crash. You can rely on our Los Angeles case lawyers, who are ready to speak to you, and can file a lawsuit on your behalf. We are here to help you and are on your side. That is why you can’t go wrong with our case attorneys in Los Angeles, just call this afternoon and we can sue to get the money you deserve on this claim.

Can I Get a Lawyer to Help?

Yes, all the help you need is just a phone call away, when you call us at the Normandie Law Firm today. We know what to do and what to say to successfully manage your case, when a State Farm insurance rep will not do the right thing, and total out your motorcycle claim after a motorcycle accident.

Zero Fee Guarantee

If you want to talk to a lawyer with experience in managing State Farm Insurance claims, you can call us and be connected to our legal team right now. You can get with an attorney with expertise in motorcycles being totaled out after a crash, and you’ll also get our zero-fee guarantee as well. There is nothing to lose by calling us today!

Free Second Opinion

You need to talk to someone about your claim, and we are here to oblige that request. We are able to offer to you our free second opinion, and you’ll get the expert advice from experienced attorneys in Los Angeles at our law firm. It’s an easy call to make, you can call us this afternoon and we are here to help you right now.

Call for a Free Consultation

We are available to talk to you when you give us a call for your free consultation. We can explain your next steps, regarding initiating a lawsuit on the merits of your claim. Just pick up your smartphone today, and call our office at the Normandie Law Firm right now.