{"id":6596,"date":"2020-10-15T16:41:28","date_gmt":"2020-10-15T21:41:28","guid":{"rendered":"https:\/\/www.peachstateinsurance.com\/blog\/how-do-you-know-when-a-motorcycle-is-totaled\/"},"modified":"2026-03-10T12:29:54","modified_gmt":"2026-03-10T17:29:54","slug":"how-do-you-know-when-a-motorcycle-is-totaled","status":"publish","type":"post","link":"https:\/\/www.peachstateinsurance.com\/es\/sin-categorizar\/how-do-you-know-when-a-motorcycle-is-totaled\/","title":{"rendered":"How Do You Know When a Motorcycle is Totaled?"},"content":{"rendered":"<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"1708942775\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{177}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Motorcycle accidents can be scary and unexpected. <a href=\"https:\/\/www.peachstateinsurance.net\/motorcycle\/insurance_quote.aspx\">Motorcycles<\/a> are considered more dangerous for their drivers than cars because of the lack of air bags and cushions in case of a collision. If you are fortunate enough to walk away unscathed from a motorcycle accident, you will still need to consider the no doubt hefty damage to your bike.&nbsp;<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\"><img decoding=\"async\" alt=\"a motorcycle parked in front of a mirror\" data-src=\"\/img\/~www.peachstateinsurance.net\/motorcycle2.png\" style=\"width: 400px; height: 267px; float: right;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/><\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"276412740\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{181}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"276412740\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{181}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Older motorcycles are more likely to be totaled, as old parts are more expensive and difficult to replace.&nbsp;<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Knowing whether the bike is totaled or not can help you receive compensation for repairs or a replacement.<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" role=\"heading\" aria-level=\"2\" paraid=\"1723296994\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{187}\" style=\"color: #2f5496; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"none\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" data-ccp-parastyle=\"heading 2\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" role=\"heading\" aria-level=\"2\" paraid=\"1723296994\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{187}\" style=\"color: #2f5496; background-color: transparent; margin: 0px; padding: 0px;\"><strong><span style=\"font-size: 16px;\"><span data-contrast=\"none\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" data-ccp-parastyle=\"heading 2\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">State vs Insurance Mandates for Totaled Motorcycles<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559738':40,'335559739':0,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/strong><\/p>\n<\/div>\n<div class=\"SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"867641541\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{191}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">There is a difference in how a state dictates a &ldquo;totaled&rdquo; vehicle compared to how your insurance provider may decide what is a &ldquo;totaled&rdquo; vehicle.<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;Regulations for both differ depending on your insurance provider and your state.<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"161043056\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{197}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"161043056\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{197}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Your motorcycle may be considered totaled<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;by your insurance provider<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;if:<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"ListContainerWrapper SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<ul class=\"BulletListStyle1 SCXW243672414 BCX0\" role=\"list\" style=\"margin: 0px; padding: 0px;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"2073501484\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{205}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">The damages exceed&nbsp;<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">50%-75%+ of the motorcycle&rsquo;s actual cash value<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"2\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"1877421633\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{212}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Proper repairs can&rsquo;t be made for major structural damage<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"3\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"1430650075\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{217}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">The frame had to be replaced or extensively repaired<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"2057642480\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{222}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"2057642480\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{222}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">If the cost of repairing your motorcycle is higher than the cost of replacing it, your bike may be considered totaled.<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" role=\"heading\" aria-level=\"2\" paraid=\"776746515\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{226}\" style=\"color: #2f5496; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"none\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" data-ccp-parastyle=\"heading 2\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" role=\"heading\" aria-level=\"2\" paraid=\"776746515\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{226}\" style=\"color: #2f5496; background-color: transparent; margin: 0px; padding: 0px;\"><span style=\"font-size: 16px;\"><span data-contrast=\"none\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" data-ccp-parastyle=\"heading 2\" style=\"background-color: inherit; margin: 0px; padding: 0px;\"><strong>What Happens if You Total Your Motorcycle?<\/strong><\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559738':40,'335559739':0,'335559740':259}\" style=\"margin: 0px; padding: 0px;\"><strong>&nbsp;<\/strong><\/span><\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"151340759\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{230}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">When you&nbsp;<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">have a wreck in your vehicle, it is critical to have the damage&nbsp;<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">appraised by an expert. In some cases, a mechanic will be able to tell you if your bike is totaled. They can also give you an estimate on repairs. High cost repairs or repairs that cannot be made due to the parts no longer being available can lead an insurer to declaring your bike as totaled.<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"1492445414\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{238}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"1492445414\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{238}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">After an accident and having your vehicle appraised, be sure to contact your insurance provider as soon as possible. Most <a href=\"https:\/\/www.peachstateinsurance.net\/motorcycle\/insurance_quote.aspx\">insurance policies<\/a> have a time limit in which you can receive compensation for a filed claim. Generally, you must file a claim within 30 days of an accident.<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"678080119\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{242}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"678080119\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{242}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Contact your insurer and inform them of the accident. If possible, keep records of the accident, including location, times, pictures of the damage and the estimated cost of repairs.<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;A claims adjuster from the insurance provider will then investigate the claim to calculate whether your<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">vehicle is totaled or not, and how much compensation you will receive.<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"506518653\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{252}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"506518653\" paraeid=\"{0aeee0cc-32d3-40bc-9837-4a313c92ac6e}{252}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">In the case of a totaled motorcycle, an insurer will provide only the actual cash value of your motorcycle according to how much it was worth before the wreck, accounting for depreciation. For example, if your motorcycle was worth $1,600 when you first purchased it but has depreciated in value to $900, you will receive closer to $900 in terms of compensation to replace your motorcycle.<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"843342669\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{1}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"843342669\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{1}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Also check your policy to see if it covers rental vehicles, especially if your motorcycle was your main form of transportation. Not all motorcycle insurance policies are created equal, so it is important to know the limitations and exclusions that may apply to your policy.<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" role=\"heading\" aria-level=\"2\" paraid=\"1664045820\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{5}\" style=\"color: #2f5496; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"none\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" data-ccp-parastyle=\"heading 2\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" role=\"heading\" aria-level=\"2\" paraid=\"1664045820\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{5}\" style=\"color: #2f5496; background-color: transparent; margin: 0px; padding: 0px;\"><span style=\"font-size: 16px;\"><span data-contrast=\"none\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" data-ccp-parastyle=\"heading 2\" style=\"background-color: inherit; margin: 0px; padding: 0px;\"><strong>What if the Totaled Bike is Financed?<\/strong><\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559738':40,'335559739':0,'335559740':259}\" style=\"margin: 0px; padding: 0px;\"><strong>&nbsp;<\/strong><\/span><\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"112173978\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{9}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">If your motorcycle is financed when you total it, you could be in troubled waters without gap insurance. Gap insurance, also known as&nbsp;<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Guaranteed Asset Protection insurance, helps cover the remaining difference between the cash value of your bike and what you still owe.<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;Without gap insurance, you could be looking to pay your remaining balance out of pocket. Gap insurance does not come as part of a normal <a href=\"https:\/\/www.peachstateinsurance.net\/motorcycle\/insurance_quote.aspx\">motorcycle insurance policy<\/a> and must be purchased separately.<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" role=\"heading\" aria-level=\"2\" paraid=\"303283230\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{17}\" style=\"color: #2f5496; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"none\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" data-ccp-parastyle=\"heading 2\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" role=\"heading\" aria-level=\"2\" paraid=\"303283230\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{17}\" style=\"color: #2f5496; background-color: transparent; margin: 0px; padding: 0px;\"><span style=\"font-size: 16px;\"><span data-contrast=\"none\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" data-ccp-parastyle=\"heading 2\" style=\"background-color: inherit; margin: 0px; padding: 0px;\"><strong>Do I Have to File a Motorcycle Insurance Claim?<\/strong><\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559738':40,'335559739':0,'335559740':259}\" style=\"margin: 0px; padding: 0px;\"><strong>&nbsp;<\/strong><\/span><\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"815933075\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{21}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">If there is a chance of your motorcycle being totaled, you may want to file an insurance claim on your policy.<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;You should always have the damage appraised beforehand, however. If the cost of repairing your bike are less than the cost of your deductible, it may not be worth it to file an insurance claim. This can also apply to older motorcycles that have depreciated greatly in value. If your motorcycle&rsquo;s replacement value is less than your deductible, it would likely be more expensive to file a claim than to simply replace your motorcycle out of pocket.<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"1672759737\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{27}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"1672759737\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{27}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">If your motorcycle still has value, however, and is totaled in an accident, you will want to contact your insurance provider to discuss compensation. Your insurer should be kept in the loop about any accidents you are involved in, whether you choose to file a claim or not. Changes with your driving record and motorcycle may have an important affect on your insurance needs and how much you are paying.<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW243672414\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"423927086\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{31}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"423927086\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{31}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Above all, make sure to drive responsibly and defensively on the road to keep yourself and others safe.<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"423927086\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{31}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"423927086\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{31}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\"><strong>Click here to get started on your <a href=\"\/motorcycle\/insurance_quote\/\">Georgia motorcycle insurance<\/a> quote, or give us a call at 877-997-8478 today.&nbsp;<\/strong><\/span><\/span><\/p>\n<p class=\"Paragraph SCXW243672414 BCX0\" paraid=\"423927086\" paraeid=\"{e20ffc71-c186-4ac0-94f0-7fb9c11ad14a}{31}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW243672414 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW243672414 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><span class=\"EOP SCXW243672414 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p><img data-src='https:\/\/perbrepea0c.qa.insurancewebsitebuilder.com\/img\/~www.peachstateinsurance.net\/motorcycle2.png' align='left' src='data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==' class='lazyload' \/> Motorcycle accidents can be scary and unexpected. Motorcycles are considered more dangerous for their drivers than cars because of the lack of air bags and cushions in case of a collision. If you are fortunate enough to walk away unscathed from a mo&#8230;<\/p>\n","protected":false},"author":69,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"%%post_title%%","_seopress_titles_desc":"<img src='https:\/\/perbrepea0c.qa.insurancewebsitebuilder.com\/img\/~www.peachstateinsurance.net\/motorcycle2.png' align='left' \/> Motorcycle accidents can be scary and unexpected. Motorcycles are considered more dangerous for their drivers than cars because of the lack of air bags and cushions in case of a collision. If you are fortunate enough to walk away unscathed from a mo...","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_analytify_skip_tracking":false,"footnotes":""},"categories":[],"tags":[55,31,30,56],"class_list":["post-6596","post","type-post","status-publish","format-standard","hentry","tag-accidents","tag-coverage","tag-insurance","tag-motorcyle"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/posts\/6596","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/users\/69"}],"replies":[{"embeddable":true,"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=6596"}],"version-history":[{"count":0,"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/posts\/6596\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=6596"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/categories?post=6596"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/tags?post=6596"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}