They are sending a guy today to look at the bike and I was wondering what to expect.
One word:
NOTHING !!Absolutely nothing...........
Doesn't really matter who the insurance carrier is, they will not be acting in your best interests - especially when it comes time to settle up on a "total loss".
It will up to YOU, and only you, to determine the value of your damaged vehicle.
Value has been legally defined as "an agreed upon amount between a willing seller and a willing buyer".
Check your policy on the "Repair/Replace clause" in the Physical Damages portion of the policy.
If they can't agree with you on a proper ACV if it's a total, then you might be able to force them to repair it.
(They WON'T like that....)
You need to do ALL the homework on the replacement value of the vehicle as your carrier will only offer an amount served up via a computerized database based upon geographic averages.
The appraiser won't put any more effort than neccessary into determining their version of the bike's value and attempting to write you a check.
All states have Consumer Protection Laws to protect you from your insurance company - check into them and know your rights.
An informed consumer is a dangerous thing to an insurance company.
Always remember: You are
not in good hands with your insurance company and they are
not a good neighbor.....
You may ask yourself: "How does he know all this ??"
35+ years running body shops and dealing with insurance companies has taught me a thing or two over the years...
Good luck.