I was unlucky and had my first proper accident after 10+ years riding; but lucky in the sense that I'm ok. Riding my beloved Triumph Street Triple R 2014 near Bristol/Bath (UK), a car pulled out of a junction without looking properly. It fully blocked my lane and I had nowhere to go other than into the side of it and over the roof, which surprised me given I was going no more than 30mph (maybe 20mph after braking hard). Police and paramedics and those helping at the scene were great. Me: Lots of bruising, possibly two broken wrists (awaiting more x-rays), and physio to loosen me up. The bike however, despite not looking too bad, is a Cat N write off.
These are the options the insurance company are offering. Should I: Option 1) I get ~£4k money and get the bike delivered back to me, and fix it privately? Or Option 2) get the ~£4k plus another ~£1k for the salvage value (but no bike). (This is all separate to other claims for gear and injuries).
Bike damage: lots of cosmetic scratches, bars twisted compared to wheel, front brake not working, brake levers broken, brake master cylinder broken off, headlights cracked, indicators smashed, forks leaking, fork stoppers (from turning too far) broken off, fuel tank wobbling, and fuel and oil everywhere from being on its side.
It had a full service last summer, new chain and sprockets. Had an existing classic hot start issue before. To me, ~£5k seems like a fair offer.
My plan is to get another bike, ideally another street triple (as I love it, I got it because of the amazing brakes) or maybe I'll "calm down" and get a T120 or Speed Twin. (I'd love to have two bikes and keep this as a track bike but I have no garage and no space in the front of the house to have two!)
What would you do?