Long story short, I had a low speed low side a week ago and now my 2003 CBR 600RR is a total loss.
I'm dealing with ICBC directly as I haven't had a problem with them. Yet...
I was wearing proper gear so I'm ok for the most part, I still have shoulder pain and have been seeing doctor's and going to physio since the accident. I've been using my work benefits to pay for physio as I didn't open a medical file since the claim is my fault and I really don't want premiums to go up if I can claim the physio money back elsewhere. I missed 3 days of work but used sick time.
I'm a 43% road star rider with over 12 years of riding.
This bike only had 12,000 kms on it at the time of crash. From what I gather on Craigslist it should be with about $5,000
Also I had steel breaded brake lines installed at Honda center years ago, and an alarm system withb remote start. My adjuster said when I get the call back in a week with the estimate to mention this.
As for gear, I'm told only my helmet, my passengers helmet, and passengers jacket are covered. Unfortunately not my jacket... But the helmets seem to only have minor scratches as there wasn't a lot of banging, should I really replace them at the risk of my premiums going up? Passengers jacket is ripped sightly so I will be getting that replaced for sure.
So with that said, what can I expect now? And what bullshit should I be ready for from ICBC? Is there anything I missed it forgot to do?
Thank you all in advance. This is my first time dealing with a total loss and ICBC in this manner.