So, apparently, my bike (lowside 40-50 kph) can't be rebuilt and ICBC labeled it as a "parts only bike". I only briefly talked to them about it and they said if I insist on taking my bike and fixing it myself, I gotta go through a lot of process and getting the bike properly inspected will come out of my own pocket (not making a claim).
Anyone have experience with this stuff. If ICBC labels it as a "parts only" bike, is it safe to say, just take the check and make a claim.
I really don't want to make a claim as my insurance will go 75% surcharge. I wish my bike isn't in Osoyoos right now (I live in Vancouver) so I can take it to a nearby dealership and see how much money I can make off of the parts (selling parts will probably take time too, so I'm not too sure if it's worth doing this).
Note: Tbh, I don't understand how it's a total loss (is this a different term from "write off" coz last time, ICBC wanted my bike to be a write off but I was able to fix it for less than $200 to get it back on the road). The bike didn't hit a wall, the only visible thing I saw that's broken is:
- right handle bar bent (pretty bad)
- brake lever broken
- right foot peg broken
- exhaust was punched in, but you can visually see there wasn't any real mechanical damage to it
- turn signal broken (right), but fairings seemed to be still in tact
- windshield broken off, but headlights in tact (wasn't sure if it was still working)
the frame could be broken, but I doubt it. wouldn't the fairings take most of the impact?