[Guest]

Hey guys, I’m not a newbie really but I have just never crashed b4, yes I do stupid stuff all the time, but I know my limits and therefore have never crashed... Anyways getting to my question, I crashed coming out of my driveway of my apartment building, I didn't notice the little bit of oil in the driveway, and I stopped to look left and right, then took off (right) turning while doing that, while I was turning, my tire lost traction and I low sided my bike doing maybe like 5km/h (the most embarrassing thing I have ever done in my life) there isn't too much damage, only around 1,200.. Mostly my handlebar and my passenger footpeg took most of the hit... basically all cosmetic. But now I was wondering, I got like the best insurance they had to offer me, full coverage, collection and liability and everything.. (This is why my monthly payments were $300 + I had a 25% discount!) But now I was wondering if I report it to ICBC, would it affect my insurance rate?? (Plus this happened last Friday October.21 ’06, is it too late already??) Thx for the help.

 

[mascu]

i think u have up to one month to make a claim

and if i'm right, since this is your fault..... your discount might be reduced..... but as you already have the 25% discount, i read somewhere before that it takes how many crashes to reduce your discount, so you might want to check it again

 

[rivet]

Go to this link: http://icbc.bc.ca/insurance/insura_prmset_yurcla_crsinf.asp

There is a link there for the discount scale document. It looks like you would go down 5 places on the scale to 0 discount.

 

[Tylo604]

Also...

Single-vehicle accidents are BAD BAD BAD for your record. ICBC will flag you for sure for future accidents. I know it wasn't your "fault" as you didn't see the oil, but basically they see the accident as "if you can't handle the bike on your own, you are high risk in traffic". Or something along those lines.

You definitely should look into it further to see if they would take away your discount and if you'll be hit with any premiums.

Deductible + loss of discount + possible premiums + possible flagging for future accidents = NOT worth your money.

If the damage is purely cosmetic you might just want to keep it as is... And if you really want to fix it, then maybe do it yourself by ordering the parts.

 

[CBR JOCKEY]

Guess it really makes no difference when you report the accident cuz there isn't a second party involved....so as far as your concerned it happened yesterday....$300 / month....holy moly...I would find another hobby..ha

 

[Guest]

Suck it up and pay the 1200bux.
a)not worth the hit on your insurance
b) it was your own doing.

 

[Iceman_19]

yeah pay it out yourself, it will save you money in the long run. also, stop doing stupid stuff all the time if you want to live longer then the next 6 months.

 

[Guest]

Alright, thx for the advice guys... i already ordered some parts yesterday, i'll just slowly order parts, and fix it myself till next summer... and i'll see you all in March :rockon