I went into work Wednesday, put my rubber gloves on, start making some stuff, then my girlfriend (who cashiers at the same place) pokes her head in the kitchen door and say "Josh, I think someone just hit your bike! I don't know, maybe it wasn't yours, don't freak!" I storm out of the kitchen and front door shouting expletives, look over to where I parked, and see my bike on the ground a few feet over and facing the opposite direction. I get hot.

Two guys tell me it was the girl that worked there, she went inside to look for me. She has insurance, intends to pay for everything. My blood pressure goes back to normal. I was so relieved, I was almost apologizing to her for taking so long to get her information. I mean, who sticks around after trashing someone's bike? I think just about anyone else, even anyone that works with me, would have just left.

Anyways, the damage isn't too bad, but I'm bringing it to the Honda dealer tomorrow, so they'll just be replacing things, which will be expensive. The damage I've noticed:

dent in the tank from the bars
scratched and cracked tail
broken pillion peg
broken bar-end mirror
bent Driven bars
bent, scratched Driven D3 grips
bent clutch lever
scratched bikini fairing
I'm going to look closer at the generator cover and slider. If it's any worse than what I did to them, I'll have them replaced.
warning lights above the LED display broken

My tail had a scratch about the size of a quarter, but she put one about a foot long and cracked it, so I'll come out of this looking better than before! Unfortunately, this area is new to me, so I couldn't find any shops that might have been able to repair things and change the color for me.

Yikes. Glad to see she did the right thing, but dang. Lots of 599s are taking a beating lately!

Damn, even when parked, bikes are target. I don't get it. Two of my friends recently had their bikes run over while parked. One was minor damage like yours, the other was a pretty costly fix up job. But it makes you wonder, what the hell are people doing!!!!??? If they can't see a 400+ pound motorcycle, can we expect them to see a 50 lb kid playing on the ground behind them? Do they even bother to check?

What Transient said.

On a happier note, my neighbor had a couple of guests last night who were ogling my bike. When I went out to ride away, one guy says "Nice bike, I've been wanting a 919 for years!" Turns out he's a big 599/919 fan and seeing my bike made his day. Certainly a nice change from "What the heck is that?".

I'm not sure why I think that story will cheer you up, but I still hope it does. Good luck with getting back on the road!

Wow, sorry to hear about the damage, but it is reassuring to know that there are still people who do the right thing. I've been getting a little depressed lately because among other things, people just are really beginning to disgust me. No one seems to have any couth, tact or home-training out in the world anymore. Maybe i'm getting older and turning to vinegar but i swear it seems like it's a friggin' pandemic of stupid and annoying people taking up more and more fresh air and drawing more attention to themselves.
Oh well, glad she was one of the cool ones even though she was prolly texting or yapping on the phone and just being inattentive and oblivious to civilization around her...sorry, i can't help myself right now.
Hope you get the bike fixed expeditiously.

Yikes, Hennie! Good thing you managed to find one of the good ones though. Hope it works out in the end.

Yer, I've been having those thoughts since about twenty years back...so it's a long crusting over process. I figure in another few years, I'm just gonna move to a cave and be done with it...with WiFi...:mrgreen:

I park my bike on a cement curb so no one can knock it over which happened to my old bike. Cement doesn't get hot and let the sidestand melt thru either. At least it wasn't a hit and run. Had a car trashed that way once.

Well, my truck's been hit twice and my car twice (once by my sister in my driveway, once while I was in the damn thing in the school parking lot... and she still tried to drive off!), so I really wasn't expecting anyone to own up. But I'm going to the Honda dealer in the morning to drop it off for an estimate (they said they'd need a few days? oh well...) and then get back to her with the price and see whether they want to go through the insurance company or not. I'm not really pissed about it, just that I can't ride my bike.

Yikes, Hennie! Good thing you managed to find one of the good ones though. Hope it works out in the end.

Yer, I've been having those thoughts since about twenty years back...so it's a long crusting over process. I figure in another few years, I'm just gonna move to a cave and be done with it...with WiFi...:mrgreen:

:lol2: Glad to know i'm not alone in the crusting over aisle. Say, does that curmudgeon come in a 2X?:wink:

Has anyone done this before? I dropped it off this morning and he told me they'd have an estimate by Thursday! Her insurance will probably laugh in her face if it takes that long, and at that rate, I'll miss the track day at the end of the month.

:lol2: Glad to know i'm not alone in the crusting over aisle. Say, does that curmudgeon come in a 2X?:wink:

Well now, it could get crowded fast. I already offered Diehard a sublet if he needs it...but hey! Yeah! Absolutely, man. A number of years ago I managed to pull off some of the crusts off while managing to remain philosophically true to myself, so I'm sure you too can make the transition. Humor and perspective, which I see you have. We can take turns yelling at the kids to get off our lawn.:mrgreen:

Has anyone done this before? I dropped it off this morning and he told me they'd have an estimate by Thursday! Her insurance will probably laugh in her face if it takes that long, and at that rate, I'll miss the track day at the end of the month.
Yep, my SO wrecked his bike (yes, much more extensive, I know), and it took more than two weeks to get an assessment and quote). Track day will probably go down, but the other I wouldn't worry about. Afterall, they'd rather not have to pay for it in the end. It was weeks before my SO finally reported and his insurance paid for the totaled bike. They're used to that sort of thing; people so it all the time. Hedge your bets and report to your insurance either way.

Looks like I'm probably going to be buying it back. They still haven't been able to find my grips, handlebars, or mirrors and they said it was already over $3000. Just as well... I'll buy it back and spend the rest on my tires, sprockets, chain, suit, and hopefully suspension. I don't mind riding with a few aesthetic defects, especially since I want to get serious on the track with it. I might see what repairs to the tank and tail would run, though, or maybe pick up something cheap if I see it.

Care if I ask the buy back amount? It would depend upon mileage I'm certain.

I am kicking myself for not buying back my yellow 04. I hope she found a good home.

I don't even know what they're going to value it at. KBB doesn't have an input for mileage, just year and model, and they put it at $4795. NADA just gives low and high retail, which were $4k-$5k, unless the insurance companies get a different version of NADA. They're supposed to be calling me today with the final estimate and the girl's dad should be calling their insurer.

If it is indeed totalled, I'll let you know what buyback is. So crazy that it might be totalled when I could ride it several miles to the dealer without a problem.

I don't even know what they're going to value it at. KBB doesn't have an input for mileage, just year and model, and they put it at $4795. NADA just gives low and high retail, which were $4k-$5k, unless the insurance companies get a different version of NADA. They're supposed to be calling me today with the final estimate and the girl's dad should be calling their insurer.

If it is indeed totalled, I'll let you know what buyback is. So crazy that it might be totalled when I could ride it several miles to the dealer without a problem.
Been there, done that, homie. Enjoy the extra cash!

Yeah, wasn't yours like $1500? I hope mine isn't much higher, being an 06. I'm hoping after I get the maintenance things done and leathers, I'll have enough for suspension...

One of the sites has a smaller page that shows what expected mileage for a bike is given age and displacement. I want to say it was KBB.

Yeah, wasn't yours like $1500? I hope mine isn't much higher, being an 06. I'm hoping after I get the maintenance things done and leathers, I'll have enough for suspension...
They tried $2100 and I got them down to $1600. Remember everything is negotiable.

One of the sites has a smaller page that shows what expected mileage for a bike is given age and displacement. I want to say it was KBB.

Oh yeah. I think it was NADA, but I can't find it this second. It's ridiculous, though. It related mileage to displacement? Like I ride my bike less because it's smaller. I think it's actually the other way around. Big inch chrome cruisers get 2 miles a year most commuters are on smaller bikes...

Thanks, J. I never thought to negotiate the price. No way I'm giving over $2k for it.

Here is the KBB chart. (http://www.kbb.com/motorcycle/mileage-and-condition/retail/2006/honda/cb600f-599/70300)

For an 06 you have 13000 miles allowance. I better get some miles on.

Here is the KBB chart. (http://www.kbb.com/motorcycle/mileage-and-condition/retail/2006/honda/cb600f-599/70300)

For an 06 you have 13000 miles allowance. I better get some miles on.

I bought mine in October 07 and I'm about to double what the KBB guide estimates. I'm glad I'm not one of those morons, or so called cruisers, that have their bikes for 3 years and only put a couple thousand miles on. Craigslist is full of them.

A friend of mine is craving to buy a bike again and his neighbor keeps recommending him a Harley because of the resale price. He always answers: "Dude, when I have a bike I ride it, no sell it."

That just means if you are ever in the unfortunate position of having to choose whether or not to buy the bike back from the insurance company it is that much cheaper, so is their payout.

I hope my buyback is cheap... I really want to get a shock and springs...

I usually park my bike up on a curb when I can. Maybe I should start parking my bike in a spot where it's hard to see so I can get some insurance money! ...c'mon JH, you know you planned it! :wink:

Jesus God, they called me this morning and said it would be $3907! But $150 of that is the estimate fee, which they said they'd drop if I went ahead and let them handle repairs. Still, even if they value it at $5k (which they'd be insane to do with 15k miles on it), that's just over 75%. If they take that quote, guess I'll have some new goodies.

What really sucks is that I need to do some more responsible things with that money, like pay off my furniture loan before interest kicks in. Hopefully, I'll at least get the maintenance things, bars and grips, new levers, and a leather suit out of it. If I'm lucky, the suspension will be done. That's my biggest want in the world right now.

Adamizme, I have to admit, I was happy with the idea of them totalling it when it first occurred to me. I thought I'd have an awesome setup. Then, I realized how broke I am right now and it's not going to play out as I had planned.

Adamizme, I have to admit, I was happy with the idea of them totalling it when it first occurred to me. I thought I'd have an awesome setup. Then, I realized how broke I am right now and it's not going to play out as I had planned.

Insurance money is insurance money... extra cash is always nice no matter where you need to use it.

I'd really like to hear how the new suspension works out for you if you get that done.

Insurance company said they'd get back to me early next week. New hope: They don't total it and send the money directly to me. I get lots of money, don't have to spend any buying the bike back, pay the $150 estimate fee, and have lots leftover for go-fast goodies after getting the aforementioned bills handled.

At that price and mileage, it's totalled. It's a three year old, budget bike with almost $4000 in damage.

You may have to fight to get as much as you want for the bike. I had to come at them with ads supporting my numbers. When I said I had proof, they took those numbers. I hope it goes that well for you.

The bike is on a loan, I still owe money. How does that work? Am I still going to get the money or do they give the money directly to the bank?

That probably varies state by state. I would think they pay the lien holder than the rest goes to you. In my case, if I wanted to buy back, the payoff was reduced instead of having to pay the insurance company back.

That said, it is probably different in your state.

A little update: I'm very happy with the figures offered, but because I'm insured by the same company that is paying me, they're required to include my credit union on the check, meaning they can do as they want with the money, either leaving me some for repairs or applying it all towards my balance. They offered more than I owe on it, so I could have some as a down payment towards another bike. I'd like to keep it, but I really don't want them throwing all of the money into my balance. I'm not sure what I'm going to do just yet.

The lesson here: pay your toys off ASAP. I could have a huge down payment on a really nice bike right now with a super-low note, or I could outright buy a track toy in good shape and not have to register or insure it.

Also, I think I'm going to call my insurance agent and get a quote on a Street Triple R.

A little update: I'm very happy with the figures offered, but because I'm insured by the same company that is paying me, they're required to include my credit union on the check, meaning they can do as they want with the money, either leaving me some for repairs or applying it all towards my balance. They offered more than I owe on it, so I could have some as a down payment towards another bike. I'd like to keep it, but I really don't want them throwing all of the money into my balance. I'm not sure what I'm going to do just yet.

The lesson here: pay your toys off ASAP. I could have a huge down payment on a really nice bike right now with a super-low note, or I could outright buy a track toy in good shape and not have to register or insure it.

Also, I think I'm going to call my insurance agent and get a quote on a Street Triple R.

Oh JBarx is gonna beat you.

Good to know you came out ok on the numbers. Do you get to keep the bike?

If so, pay off the 599 and keep it as your track tool. That way a bunch of the only cosmetic damage won't need to be addressed.

You could bring it back and ride it with alot of the cosmetics and not worry so much about dropping it again. Seriously, if you can, keep the bike whatever you do. Nothing else, take the extra cash, sell the bike for what you can get and you should have a decent amount to use as a down payment.

If I don't keep the bike, it will be payed off, plus a few hundred dollars. If I do keep the bike, it's up to my credit union on what they want to do with the money, since they still have a lien on it. I might need to give them a call, but if they'll let me keep all of the money, I know what my choice is.

And I won't be spending a penny on cosmetic damage. It's going to be a track toy further down the road, so nothing that isn't necessary is going to happen. It is scratched to the metal, though, so I might try to get the dent fixed and prime it or something.

If anyone's interested, they wanted $2k for the buyback, I just mentioned that I'd like to pay $1600 and a minute later, he told me that was fine. I don't think it could have gone much lower, though, as the payment they would include with the buyback was only about $100 less than the repair quote.

My dad picked a fine time to go to Omaha... I need his opinion and he's watching some stupid sports contest... bastard... (I'm jealous, actually)

If I don't keep the bike, it will be payed off, plus a few hundred dollars. If I do keep the bike, it's up to my credit union on what they want to do with the money, since they still have a lien on it. I might need to give them a call, but if they'll let me keep all of the money, I know what my choice is.

And I won't be spending a penny on cosmetic damage. It's going to be a track toy further down the road, so nothing that isn't necessary is going to happen. It is scratched to the metal, though, so I might try to get the dent fixed and prime it or something.

If anyone's interested, they wanted $2k for the buyback, I just mentioned that I'd like to pay $1600 and a minute later, he told me that was fine. I don't think it could have gone much lower, though, as the payment they would include with the buyback was only about $100 less than the repair quote.

My dad picked a fine time to go to Omaha... I need his opinion and he's watching some stupid sports contest... bastard... (I'm jealous, actually)

I bet the CU would want the $$ to pay down the loan if not entirely pay off the loan. It is still on their books and the collateral is worth much less now.

Yeah, that's what I'm thinking. I'll probably just take the $5493(!!!!!!!!!!!!!) they're offering me and hope my dad will go for the Street Triple idea, as he still supports me somewhat while I'm in school.

If not the Street Trip, then I'll probably just look for something cheap to hold me over for a few years. I need two wheels, though. I'm going insane. I don't know how you guys up north handle winters....

Yeah, that's what I'm thinking. I'll probably just take the $5493(!!!!!!!!!!!!!) they're offering me and hope my dad will go for the Street Triple idea, as he still supports me somewhat while I'm in school.

If not the Street Trip, then I'll probably just look for something cheap to hold me over for a few years. I need two wheels, though. I'm going insane. I don't know how you guys up north handle winters....

Is that with buy back?

No, that's what they'll pay for the bike. Over 90% of that will go straight to my credit union, though.

I'll probably just take the $5493(!!!!!!!!!!!!!)

$5493? :shock:

I'm gonna go wreck my shit, like right now...

Oh, wait - I only have liability. Never mind. :?

I don't know man... I really thought hard about buying a new bike, but in retrospect I'm pretty happy with my decision to keep mine. I paid off the debt on it, still had money left to mod it up and set aside cash to put down on a house. Buying a Striple or something like that would have sacrificed that. Would it have been cool? Sure, but with the minimal cosmetic damage and having it totalled, I think I made the right call. Getting hit has actually put me in a position to buy a home (even though I can't find anything I like) and that would have been extremely difficult without it.

You might feel the same, especially being young and in a tough economy, if you make the "smart call" and pay the thing off. Then you have more flexible options with the limited resources at your disposal.

That's wild. They're offering much higher value than I'd expect. I might go wreck mine, too! :P

Like I said, if it were paid off, I'd probably be bringing a Duc Streetfighter home next week. It'd be super-sweet if I didn't owe anything.

Barx, I really want to keep it, but I won't be getting enough to pay if off if I keep it, so it really doesn't make a whole lot of sense to me. It really sucks to go either route.

I found an awesome used Speed Triple... I'm going to try to get an insurance quote after my few short hours of work today. If that looks good, then I can probably pull the trigger.

U never said what you owe on the bike..
If your insurance company offered me the same for my bike I'd walk away with 2k in my pocket without A bike. I'll keep my 599 .

Well, I'll only have a few hundred in my pocket after they pay me, so you can figure about what I owe. I'll probably save a few hundred more for a down payment on a new (or new-to-me) bike.

So they are essentially paying off your loan plus a little for your trouble, right? Why not put some of that toward the loan, buy back the bike, fix it, and be that much closer to paying off your 599?

Because the check will be co-written to my credit union, who get to tell me what I can do with the money. With the bike being worth less, I think they'll want to protect themselves and take it all. I'm just going to pay it off and start over. Maybe I'll come back, but I've got an itch to try something new. It's my first bike, so it's all I really know well of the motorcycle world.

Also, I don't like the idea of me paying the bank what I owe them, plus an extra 1600 to the insurance company to give me the bike back. I think it puts it in my butt either way, just worse if I buy it back. Not counting interest, that means I'm paying $9000 for the bike.

I still don't understand your options. I get that you have a lien on the title. But no matter what, I don't see how you come out ahead by giving up the bike. Have you actually asked the credit union what they would do? They should be cooperative in at least giving you an idea. I mean, it's not like this is a first for them.

I come out a little better because the bike will be paid off and I will no longer have a debt. I can get a new bike with no more worries about this one. If I keep it, I pay the insurance company $1600 to give me the bike back, still owe the credit union ~$5000, and they'll probably keep most or all of the money.

Why is it that this math is so hard for me to get my head around as well... Let me think out loud for a second:

Speaking hypothetically, let's say you've paid $2K towards the loan over the past however-long-you've-had-the-599. So then, you get $5400 to pay off the $5000 balance.

If you buy the bike back, you've spent the $2K, plus $1600, minus $400. $3200 total for a salvaged 599 and no debt, assuming you can find the $1200 out-of-pocket.

Right?

That doesn't seem bad. Unless the $1200 is harder to come by than a zero-down loan on a bike costing a lot more than $3200. But then you're back in debt. I've learned to hate that "debt" shit. YMMV.

So, anyway, so far I've heard Striple, VFR, and 919... What's it gonna be, G?

I've looked at them. The 919 had some damage, I'm shying away from it. I've still got two dealers to go by next week. I'll probably end up with something cheap.

And $1200 is nearly impossible to come by. Really, I'm in no financial situation to buy a bike, but I'm immature like that.

I see what you're saying, though. I'm not really losing out by keeping it. F@ck math...

Damnit, why'd you have to make this make sense to me? I wanted something different, but I miss my bike so damn much... I might take it back yet...

Believe me, I was rooting for the VFR. :P

Found out some interesting news today... the bike was paid off two months ago without my knowing. I just gave my dad the money because the only two branches my credit union has are where he lives. Anyways, being paid off, I see no reason not to keep it! I'll be giving most of the money to him, but at least I'll have enough to fix the bars, grips, get some Pazzos, new tires, chain, and sprockets.

All good to me. Except for the Street Triple, I wasn't really very excited about my options.

Huh? So how did it get paid off?

That's good news, anyway.

My dad paid it off. He's the cosigner, so I guess he wanted to get everything else in good order before he gets my mom a new car. He's about to get her a new Accord V6 and I'm going to explore every pony it has. Quite a step up for her from borrowing my grandma's Odyssey.

I'll be giving him all but $1k of it to fix a few things and take care of my tires, chain, and sprockets.

Can you share your dad? :P

I guess he figures he owes me since my sister got a brand new loaded Civic at graduation... iuno... I never felt entitled to anything, but if he's giving, I'll take it. As I said, though, he's still taking most of the money for his new down payment. I guess he still paid for most of my bike, though.

Glad this has a happy ending.

I am confused, were you still making payments for the two months? Is Mississippi a title holding state?

How did you not know?

I sent payments to my dad because the credit union I used is located by him, only two branches. He wasn't really planning on just giving it to me, I guess, but wanted to have it out of the way to eliminate any chance of the expense when he buys my mom's new car. He's a cop, so he's not exactly rolling in it...

He's a cop, so he's not exactly rolling in it...

So he's an honest cop.