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Stop riding?

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Discussion Starter · #1 ·
So, after owning my 2011 CBR for nearly 10 years, it finally happened. I was on my way home from work and had reached my housing subdivision. While waiting for traffic to clear so I could turn left, I was rear-ended by a motorist who was not paying attention, and insisted he "Did not see me.".

Turn signal on, brake light on, reflective jacket, reflective helmet, stopped for a good 10 seconds. Sun behind us, flat road, sunny, light traffic. No excuse.

I was thrown backwards onto his hood, shattering his windshield, deploying his airbag, and caving in the front of his roof. He was traveling approximately 50mph and had no indication he tried to stop or slow down. I was wearing full gear as I do for every ride, and was thrown 144 feet down the road where I came to rest between my fallen steed and his vehicle. I emerged with no injuries (ER confirmed), and only neck/back muscle pain. In fact, I was in such good shape, I'm sure the insurance company is flagging the report as too extreme to be true.

I'm meeting the adjuster this morning, and I'm 100% sure the bike will be totaled. The bike fared relatively well considering. I am going to attempt to save the bike as she deserves as much, although this obviously hinges on how much I can purchase it back for from the insurance company.

I am also unsure as to my riding future. I've gotten many trouble-free and accident-free years of riding, and enjoyed all of it. I've now survived a near-unsurvivable accident, with no injuries. I do not have children, but have a wife with a chronic condition that requires my attention and help, from now until the end of our lives. I had been contemplating stopping riding well before this due to that fact, but could not bring myself to sell the bike that had served me as well as it had. This is probably the tipping point to shift my decisions for the later part of life. As much as I enjoy riding, this like other things in life, will shift and change as we move through it.

I will still be a part of this forum and will be dropping in from time to time. But it will likely be years before my leg swings over another bike; probably when I'm too old to care anymore. :)

Everyone be safe. Realize no one sees or cares about you out there. Keep your head on a swivel, but know there are some situations you cannot account for and must always be prepared for. ATG, ATT = All the gear, ALL the time.

Just for funzies, there's a poll to see what side of the fence people sway on (or sit in the middle of). :)

Many thanks to many members of this forum; many of whom have not been online for a couple of years. Many have likely moved on to other bikes and forums. Shisoshin, live_to_ride, MotoMike, TrueFaith, cbrdave, and many, many others.

Much love.

44772
 

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Discussion Starter · #5 ·
Thanks for the support guys. I've always loved riding the bike and never felt the need to swap/upgrade. I've loved being around the forum as well, and we have a great community that while has slowed and seemingly been lost to time, we're still here. :)

I was over to the left of the lane; it's a two-lane road. Rear mirrors were clear, and I was watching the traffic for a gap. I was maybe 1-2 seconds away from making my turn, when I saw the driver approaching in my left side mirror at a high rate of speed and it was obvious he wasn't going to stop. There was no time to react or move; maybe a quarter of a second. Just enough time to process what was going to happen and make your peace.

As far as I can tell the frame is ok, and now that the adjuster has inspected the bike I can pull off the plastics and get a better look at it before they attempt to lowball me. It was of course the other driver's fault, so hopefully they can find his current/up to date insurance amount and recoup their costs. The subframe and rear wheel seem to have taken nearly all the impact, and are decently easy to change. Have to get the bike squared and get some measurements before I decide though.
 

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Discussion Starter · #12 ·
The driver was ticketed/cited, but for what I don't know. That was a discussion with him and the officer, and my report over a week later is still not showing up in the system. :cautious:

I do know he did not go to jail and left on his own accord, smoking cigarrettes and concerned with getting a ride home, and jokingly wishing me to "Have a good day sir." :rolleyes:

That being said, now that I got a call from his insurance company saying he was uninsured and not covered, there may very well be an arrest in his future when you tack driving without insurance along with the other charges on.
 
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Discussion Starter · #15 ·
So the POS also lied to you (and probably the cop) that he had insurance, and when you called to follow up the company told you the policy had lapsed or didn’t exist? Your insurance company needs to know that as it considers whether to file a suit against the driver to recover what it has to pay to you. Sorry this all happened to you.
Yep; first thing I did was call my insurance company to inform them to make a note, then I followed up with his insurance information that was provided for a claim. This is called a 'third party claim', where you deal strictly with the at-fault driver's insurance and don't have to involve yours. Unfortunately in an event such as this, you do have to involve yours as a first-party claim with uninsured/underinsured. Technically this isn't supposed to count against you as a claim since you're not at-fault, but insurance companies are about as trustworthy as coke dealers. :)

The weird thing is his insurance rep said his vehicle wasn't covered under that policy number, so they had to deny the claim. Insurance follows the driver, not the vehicle. I'm sure he didn't have collision coverage on his vehicle, but his liability follows him so if he had insurance with them at all, they shouldn't have denied the claim. So who knows at this point.

That being said, since they're greedy greedy companies, my insurance will go after him with a vengeance after they pay me. Since I'm 99% sure he doesn't have the funds to cover it, if his insurance does indeed fall through, he's likely going to be seeing the backside of prison bars anyway.
 

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Discussion Starter · #16 ·
Update: Only charges filed were no operator's license (of which he has a prior and additional court date for as well) and failure to reduce speed. In this state, that's $100 fine maximum and 60 days in jail. He'll never see jail.

Amazing that you nearly kill someone, and can go to court, pay $100, and walk out free to do it again.

My life is apparently worth $100. Love the judicial system.
 

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Discussion Starter · #18 ·
Speeding = "My gauge stopped working."
Wreckless driving = "My foot slipped off the brake."
Running stop light = "I couldn't stop fast enough."
Motorcycle in any situation = "I didn't see him."

Always excuses and victimization. Never any responsibility.

Only thing I can hope for is my insurance pays out, then goes after him with a vengeance for reimbursement.
 
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Discussion Starter · #23 ·
I happy happy to read you survived what could have been a very serious incident.
As a motorcyclist in the UK. I would say you've had your run on bikes; and judging by your own comments on your future; I would suggest using the insurance payment for a car.
While for me a bike is a perfect vehicle; It's not exactly practical when you need to go grocery shopping etc.
As you also highlighted in your post; It's everyone else on the road that is a danger.
Accidents are exactly as their name describes.
Unless your rear ended by a **** in a car when your on a bike; in which case the biker becomes an organ doner and the car driver gets an increase in their insurance payments.
You've lucked out and hit the road traffic accident equivalent of the lottery. I wish you every success with your life and future. However, if you gamble, I'd suggest you're going to be on a long losing streak.

That being said; riding a bike on private land or on a track is probably the most fun you can have with your clothes on and certainly better than sex.

Buy a car; turn your 250 into a track weapon and live a long life??
No tracks around here; I don't race or really participate in that past-time. It's just pleasure/transportation for me. I already have a car; it was just too nice of weather (2-day stretch of 79 degrees and sunny) to not ride. :/
 
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