Totaled My 2004 LT - BMW Luxury Touring Community
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post #1 of 68 Old May 19th, 2015, 6:45 pm Thread Starter
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Totaled My 2004 LT

Ok so I totaled my 2004 LT last week. Long story short I had brain fade slowing down & I'm fine.It has 191,000 miles on it. How about a guessing game to see how much the Insurance co. will give me for it.
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post #2 of 68 Old May 19th, 2015, 6:46 pm
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Re: Totaled My 2004 LT

A dollar two nighty eight.


Glad you are OK Dave.
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post #3 of 68 Old May 19th, 2015, 6:49 pm
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Re: Totaled My 2004 LT

I'm sure not very much.
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post #4 of 68 Old May 19th, 2015, 7:35 pm Thread Starter
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Re: Totaled My 2004 LT

I'll know tomorrow how much they think it is worth.

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post #5 of 68 Old May 19th, 2015, 7:38 pm
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Re: Totaled My 2004 LT

Quote:
Originally Posted by saddleman View Post
Ok so I totaled my 2004 LT last week. Long story short I had brain fade slowing down & I'm fine.It has 191,000 miles on it. How about a guessing game to see how much the Insurance co. will give me for it.
Dave, glad you are OK.

You said: "Long story short I had brain fade slowing down"
May I ask if ABS was still operational on your K1200LT - just curious...

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post #6 of 68 Old May 19th, 2015, 7:41 pm
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Re: Totaled My 2004 LT

Glad you are alright, sorry to hear about the bike. I guess you will just park it in the spare parts bin from now on.
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But lack DE, MA, RI and CT with the 2005 LT

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post #7 of 68 Old May 19th, 2015, 8:26 pm
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Re: Totaled My 2004 LT

Dave Glad your okay we do not need to lose you we need you around to keep working the finals
l am going to guess 2,500 Dollars
Really I am glad you did get hurt

Gary
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post #8 of 68 Old May 19th, 2015, 8:33 pm Thread Starter
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Re: Totaled My 2004 LT

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Dave, glad you are OK.

You said: "Long story short I had brain fade slowing down"
May I ask if ABS was still operational on your K1200LT - just curious...
John, My cramp buster was the culprit. It had nothing to do with brakes.
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post #9 of 68 Old May 19th, 2015, 8:35 pm Thread Starter
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Re: Totaled My 2004 LT

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Originally Posted by jzeiler View Post
Glad you are alright, sorry to hear about the bike. I guess you will just park it in the spare parts bin from now on.
John, I rode it home even though it was stuck in first gear.
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post #10 of 68 Old May 19th, 2015, 8:51 pm
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Re: Totaled My 2004 LT

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....... I'm fine.......
Glad to read your OK.

Regards, Ken
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post #11 of 68 Old May 19th, 2015, 8:51 pm
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Re: Totaled My 2004 LT

I would guess 5,800 dollars. I got about 5,000 for my 2000 LT 3 weeks ago.
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post #12 of 68 Old May 19th, 2015, 8:56 pm Thread Starter
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Re: Totaled My 2004 LT

I have noticed since I upgraded my throttle cables that when I slow down sometimes I am still applying the throttle with my cramp buster. Last Monday in rush hour traffic I was braking but not slowing down & had to steer left to avoid hitting the car in front of me. I jumped the curb grazed a sign post with the wind screen & then bike went right & I went left & landed on my head & shoulder.

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post #13 of 68 Old May 19th, 2015, 9:36 pm
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Re: Totaled My 2004 LT

I'm glad you are ok. My guess is between $3,500 and $4,000.
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post #14 of 68 Old May 19th, 2015, 9:48 pm
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Re: Totaled My 2004 LT

Machines, equipment & gear can be replaced, just a mater of bucks... no bucks, no Buck Rogers... it's a lot harder to replace a people, especially one as knowledgeable. I'm greatly relieved that you're not too worse for wear. Safe travels Dave!

John
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post #15 of 68 Old May 19th, 2015, 10:28 pm
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Re: Totaled My 2004 LT

I am relieved to hear you are OK Dave! I am out test riding your final drive and camping with old friends. All is well, thank you for a great job.

Robert

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post #16 of 68 Old May 19th, 2015, 10:40 pm
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Re: Totaled My 2004 LT

Dave
Sorry to hear about the accident but happy that you got through with what appears to be minor injuries. Hope you have a speedy recovery.

Don Smith
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post #17 of 68 Old May 19th, 2015, 10:43 pm
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Re: Totaled My 2004 LT

Glad you are good to go unlike your bike. I guess by the time the insurance company deducts wear and tear for all the mileage and the aggravation of making them process the claim on a 11 year old bike , you will have to send them a check for $1500.

Sorry to hear the news
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post #18 of 68 Old May 19th, 2015, 11:06 pm
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Re: Totaled My 2004 LT

Holy schnikies... I don't like the title of your thread one bit but I like the good news that you are OK.

$2,500.
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post #19 of 68 Old May 19th, 2015, 11:48 pm
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Re: Totaled My 2004 LT

Ditto on you being okay Dave. Hope you're not too sore.

I dropped mine a couple weeks ago and left my leg under it (just to prevent damage, mind you), knee doesn't have any cartilage left so the twist left it really sore. When I got home and removed my boot I was presented with a surprise broken toe.

I wouldn't take the insurance co.'s money. Tell them you want an exact replacement, same year, same model, same accessories, same bat stat . . . oops that's a different thread.
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post #20 of 68 Old May 20th, 2015, 2:34 am
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Re: Totaled My 2004 LT

Sad headliner
Real good news of your bodily outcome. Try a little R & R
ride safe
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post #21 of 68 Old May 20th, 2015, 6:43 am
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Re: Totaled My 2004 LT

Dave glad you are ok. Bike can be replaced; folks can't!
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post #22 of 68 Old May 20th, 2015, 7:06 am
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Re: Totaled My 2004 LT

I had to google Crampbuster, (Ahem!) didnīt know you can get one for a bike, glad to see you ok though.

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post #23 of 68 Old May 20th, 2015, 7:07 am
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Re: Totaled My 2004 LT

Dave, I'm glad that you are OK and were able to ride home. Can't wait to here about the insurance conversation. I like the idea of a replacement vs. cash, but not sure if that option is available. Bet that bike was purring like a kitten....

Get over the soreness quickly....
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post #24 of 68 Old May 20th, 2015, 7:40 am
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Re: Totaled My 2004 LT

Quote:
Originally Posted by saddleman View Post
I have noticed since I upgraded my throttle cables that when I slow down sometimes I am still applying the throttle with my cramp buster. Last Monday in rush hour traffic I was braking but not slowing down & had to steer left to avoid hitting the car in front of me. I jumped the curb grazed a sign post with the wind screen & then bike went right & I went left & landed on my head & shoulder.
VERY GLAD you came out without being hurt.
Now I understand better the initial post. I believe there is something to learn from every incident, so THANK YOU for sharing the details openly on the forum.

I have used one of these so-called "cramp-buster" on my throttle grip for 7 years. I removed it once to let a very good friend ride my bike. Although he is a very experienced rider, I was concerned about a scenario like you just described as it took me awhile to get use to the device.

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K1200RS (2002 IceBlue/Red - 96,000 miles)
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post #25 of 68 Old May 20th, 2015, 8:28 am
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Re: Totaled My 2004 LT

Hey, Dave - I like your outcome over what coulda been much worse. I'd still give your riding angel 😇 a 7 outta 10!!! Be well and good luck on the settlement. 👍
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post #26 of 68 Old May 20th, 2015, 8:32 am
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Definite thumbs up on you coming out in one piece. Hope the insurance settlement comes out ok.
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post #27 of 68 Old May 20th, 2015, 8:59 am
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Re: Totaled My 2004 LT

Glad to hear you are OK. The insurance company might surprise you, my son totaled a 03 650 CS that I used for just playing around. I was very pleased with the settlement that I received for it. So we will see, good luck with everything.
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post #28 of 68 Old May 20th, 2015, 9:20 am
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Re: Totaled My 2004 LT

Dave,

I had a near one when I first put a cramp-buster on my bike. Had to do a quick stop, grabbing front brakes caused me to apply throttle. If I hadn't grabbed the clutch at the same time not would not have been pretty. Now I make sure to get it out of the way when doing around town riding.

My guess $6200.00

Good to hear you are Ok!

John Baker

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post #29 of 68 Old May 20th, 2015, 11:30 am
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Re: Totaled My 2004 LT

Likewise, very glad you are OK. Landing on your head and shoulder has got to hurt! I trust you had protective gear on since you said you are fine.

I've been looking for an armored mesh jacket for warm weather - my black Tourmaster textile jacket is fine up to about 80F but gets too warm above that. Your post convinced me to pull the trigger on a mesh jacket.

My guess - $4950.

Jim
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post #30 of 68 Old May 20th, 2015, 6:28 pm Thread Starter
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Re: Totaled My 2004 LT

They offered me $3,375 & I'm waiting on the buy back amount. Because of the high mileage it took them one day to figure out an amount. It's a little less than I thought it was worth but not by much.

My left upper outer calf is the only sore spot I have. I'm still riding my other LT every day & it no longer has a Crampbuster on it. I have every part I need to fix it except for the left mirror.

It wouldn't shift out of first gear when I rode it home & I didn't take anything apart until the Insurance adjuster was here. I found the left foot rest plate is cracked but the Chrome plating is not cracked. I installed another foot rest plate & it shifts fine know.
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post #31 of 68 Old May 20th, 2015, 6:42 pm Thread Starter
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Re: Totaled My 2004 LT

The safety gear did a good job but I'm not to impressed with the First Gear Hypertex Mesh Jacket. This was about a 30 mph crash & the left sleeve has holes I can put my finger through. I'll be upgrading all of my other gear to the D30 T5 EVO pads soon. Time to shop for a new helmet, jacket & pants.
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post #32 of 68 Old May 20th, 2015, 8:43 pm Thread Starter
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Re: Totaled My 2004 LT

Helmet & Jacket picture.
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post #33 of 68 Old May 20th, 2015, 8:47 pm
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Re: Totaled My 2004 LT

Quote:
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Helmet & Jacket picture.
Looks like the Sena survived, is that a multitec or neotec? Thinking about getting a Neotec and wanted to get input from someone that wears one. Those holes have me thinking about my mesh jacket now.

John Baker

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post #34 of 68 Old May 20th, 2015, 9:00 pm Thread Starter
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Re: Totaled My 2004 LT

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Looks like the Sena survived, is that a multitec or neotec? Thinking about getting a Neotec and wanted to get input from someone that wears one. Those holes have me thinking about my mesh jacket now.
That is a Neotec John. My only complaint is the shield has one lift tab on the left side. In my opinion if there is only one lift tab it should be in the center of the shield. I wouldn't want to tumble down on a high speed crash with that jacket.
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post #35 of 68 Old May 20th, 2015, 9:18 pm
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Re: Totaled My 2004 LT

For hot weather riding I bought a bmw airflow jacket 3 years ago to replace a Joe Rocket mesh jacket. Nothing was wrong with the joe rocket but I was finally able to afford the BMW gear and liked the way it looked. I live in North Central Florida (about 60 miles west of Jacksonville) and it is not to bad in the heat we have here. I have not had a reason to find out how well it will perform in protecting me but I would have to expect it will at least be better than the joe rocket jacket. I know the BMW gear is not the cheapest but sometimes the price can be worth it. Just a recommendation if you are looking for a different summer riding jacket.
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post #36 of 68 Old May 20th, 2015, 9:38 pm Thread Starter
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For hot weather riding I bought a bmw airflow jacket 3 years ago to replace a Joe Rocket mesh jacket. Nothing was wrong with the joe rocket but I was finally able to afford the BMW gear and liked the way it looked. I live in North Central Florida (about 60 miles west of Jacksonville) and it is not to bad in the heat we have here. I have not had a reason to find out how well it will perform in protecting me but I would have to expect it will at least be better than the joe rocket jacket. I know the BMW gear is not the cheapest but sometimes the price can be worth it. Just a recommendation if you are looking for a different summer riding jacket.
I have decided on the Klim Induction mesh jacket that is 700 times stronger than the other mesh jackets or the Motoport Kevlar mesh jacket. I'm still researching mesh pants.

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post #37 of 68 Old May 20th, 2015, 9:59 pm
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Re: Totaled My 2004 LT

Quote:
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Helmet & Jacket picture.
Yet one more proof that a full-face helmet (one piece or modular) is the way to go. I think an open helmet would have subjected your face to some serious road rash or worse.
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post #38 of 68 Old May 21st, 2015, 12:15 am
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Re: Totaled My 2004 LT

$3375 seems low, I'd ask them how I'm supposed to replace my bike with that.

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post #39 of 68 Old May 21st, 2015, 5:40 am Thread Starter
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Re: Totaled My 2004 LT

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$3375 seems low, I'd ask them how I'm supposed to replace my bike with that.
I had collision coverage not replacement coverage. In order to get top dollar on the total loss claim the bike would have to had less than 45,000 miles on it & be in pristine condition. It has 191,000 miles and some wear & tear on it.

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post #40 of 68 Old May 21st, 2015, 6:52 am
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Re: Totaled My 2004 LT

Glad to hear that you are okay!
I sold my 99, that had 158,000 miles and some wear and tear, for $3,000 quickly.
Upgraded to a 09, and the difference was dramatic.

71 Triumph 650 - 30,000 miles
76 Suzuki GT750 - 40,000 miles
85 1200cc Suzuki Madura - 107,000 miles
86 1200cc Yamaha Venture - 60,000 miles
99 BMW K1200LT - 158,000 (Sold)
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post #41 of 68 Old May 21st, 2015, 7:31 am
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Re: Totaled My 2004 LT

Quote:
Originally Posted by erikrichard View Post
$3375 seems low, I'd ask them how I'm supposed to replace my bike with that.
When I totaled my 2000LT during November 2011 the insurance wanted to settle for approximately $3k. I think that with all the damaged gear and helmet they finally bumped up their settlement to $3,800.
What hurt me was my own dealer, the insurance company called them and spoke to the Sales Manager. With the amount of miles on the bike (99,960), the Salesman gave them the $3k price. To me it was worth at least $4,500, as it could not have been replaced with anything else in the condition it was in.
Now, three years later I walk into the dealer and see a 2000LT for sale. It is bare bones and I do not remember the mileage, and the price, $4k.

Mike Trevelino
Williamsburg, VA
2008 RT
2000 LT - Totaled at 99,960 miles


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post #42 of 68 Old May 21st, 2015, 8:11 am
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Re: Totaled My 2004 LT

That's what I would do, negotiate for more. NADA avg retail is $7670 and low retail is $5830, I'd ask for $4500. The OP seems happy with the offer so I guess it's a mute point.

'06 R1200RT
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post #43 of 68 Old May 21st, 2015, 8:37 am
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Re: Totaled My 2004 LT

Glad you'reOK-got rid of my Cramp Buster when I noticed that I increased when turning on my turn signal (on my old Sportster) -will not use that product on amy bike.
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post #44 of 68 Old May 21st, 2015, 8:42 am
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Re: Totaled My 2004 LT

Claims adjusters are tasked to clear claim as fast as possible. Let them sit on it awhile as it sits on his desks and time goes by his or her matrix of clearing claims goes out of "green to red". The managers will begin asking why its taking so long. It finally will get bumped to someone that just wants it to go away. With the $5 or $600 not being a big deal to them. Just wait is what I would do.. Glad you are ok. I have BMW boots and will probably only purchase other outer wear from BMW expensive but good stuff.

Douglas.
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post #45 of 68 Old May 21st, 2015, 10:00 am
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Re: Totaled My 2004 LT

Good to hear you are relatively unscathed! Could have been a lot worse and so glad it wasn't. As most of us know, it's not "if" it's "when".

On the bright side... time to start a relationship with a new-to-you LT!

2007 R1200GS Adventure
No longer "OrovilleTim" as I defected from California
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post #46 of 68 Old May 21st, 2015, 10:11 am
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Re: Totaled My 2004 LT

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Originally Posted by saddleman View Post
The safety gear did a good job but I'm not to impressed with the First Gear Hypertex Mesh Jacket. This was about a 30 mph crash & the left sleeve has holes I can put my finger through. I'll be upgrading all of my other gear to the D30 T5 EVO pads soon. Time to shop for a new helmet, jacket & pants.
I know you'll get tons of opinions on gear, but as relatively new to the ATGATT crowd a while back (it seemed to correspond with going from Harley to BMW, haha) we decided we were going to "spend the most for the best" and get BMW brand everything.

Well, at our local BMW dealer (a small, personable shop) the staff hangs their gear in a room by the new inventory. When looking at gear we were steered toward Olympia by which was also the personal gear the staff had hanging for their commute was.

Comparing the two the Olympia had heavier weight fabrics, beefier zippers (my wife actually had a BMW zipper issue with a new jacket she was trying on, not a good sign.) The "war stories" of the staff and what their Olympia had already survived was icing on the cake.

So, all that said, check out some Olympia if you can. I also go to Motorcycle Closeouts and see the previous year models in their "Insanity Deals" often usually for less than half or a third of the price of new. We've not gone down it yet, but I'm confident it will survive and do what it is meant to do at a fraction of the cost of the more expensive offerings.

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post #47 of 68 Old May 21st, 2015, 10:16 am
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Re: Totaled My 2004 LT

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Originally Posted by OrovilleTim View Post
So, all that said, check out some Olympia if you can. I also go to Motorcycle Closeouts and see the previous year models in their "Insanity Deals" often usually for less than half or a third of the price of new. We've not gone down it yet, but I'm confident it will survive and do what it is meant to do at a fraction of the cost of the more expensive offerings.
Just an example. While I got an all-season longer Olympia jacket from my dealer, I picked up one of these from Motorcycle Closeouts for even cheaper than this. But at $149, still a great deal: Olympia Viper-Tech Mesh Jacket

One thing I liked was it came with real back armor too. Some jackets just put in a foam pad and expect you to upgrade the spine piece yourself.

2007 R1200GS Adventure
No longer "OrovilleTim" as I defected from California
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post #48 of 68 Old May 21st, 2015, 12:16 pm
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Re: Totaled My 2004 LT

(my wife actually had a BMW zipper issue with a new jacket she was trying on, not a good sign.)

The zippers are the only issue I have ever had with BMW gear - both jackets and bags. Almost like YKK gives them an inferior product. Zipper on my Savanna jacket failed last year (more than 10 yrs old) and it was going to be over $100! to get it replaced at a shoe repair shop. The new Airflow is MUCH cooler.

Canít go wrong with BMW gear. Back in the day I was able to find it nearly 1/2 price, not so much anymore. Lucky to get 20% off now. Their clothing always has nice features you donít get with other brands, just like their bikes and cars.

Glad you werenít hurt Saddleman. I took a very slow speed dump April 1 and my rib still aches when I lay on that side.

_____________

Kim Thomson
Motorcycle Cigar Smoker
05 K1200LT - The Golden Rocket Ship
91 K100RS - The White Stallion
85 K100 Standard - Big Red
79 R65 - "The Bee" is a buzzin' again!
06 525i - Premium, Sport, Comfort, Xenons

Gone, but not forgotten...
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88 K100RT - Chocolate (it was brown, melted - fire)
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post #49 of 68 Old May 21st, 2015, 6:56 pm
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Re: Totaled My 2004 LT

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I have decided on the Klim Induction mesh jacket that is 700 times stronger than the other mesh jackets or the Motoport Kevlar mesh jacket. I'm still researching mesh pants.
Dave, I'm also in the market for a new jacket as mine is about 10 years old. Still seems good as new, just a little tired of the same..... How did you decide on the Klim? Did you compare it to anything by BMW ?

Dano
Tampa, Fl.

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post #50 of 68 Old May 21st, 2015, 7:12 pm
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Re: Totaled My 2004 LT

Quote:
Originally Posted by alabrew View Post
(my wife actually had a BMW zipper issue with a new jacket she was trying on, not a good sign.)

The zippers are the only issue I have ever had with BMW gear - both jackets and bags. Almost like YKK gives them an inferior product. Zipper on my Savanna jacket failed last year (more than 10 yrs old) and it was going to be over $100! to get it replaced at a shoe repair shop. The new Airflow is MUCH cooler.

Canít go wrong with BMW gear. Back in the day I was able to find it nearly 1/2 price, not so much anymore. Lucky to get 20% off now. Their clothing always has nice features you donít get with other brands, just like their bikes and cars.

Glad you werenít hurt Saddleman. I took a very slow speed dump April 1 and my rib still aches when I lay on that side.
Same here. Bought a pair of BMW Commuter 3 jackets several years ago for the wife and me. They were listed at something crazy like $500 a piece, but I think I ended up getting the pair for around $600. Zippers began to get flakey in about two years. And the fabric on my sleeves is fuzzy from the Velcro closures on my gloves. The jackets were made in China. I wasn't impressed given the price.

Two years ago bought two Tourmaster Sonora Air mesh jackets for a trip to Europe. I think the price was around $200 each. After two years, we are quite impressed. No zipper issues. I did have a delamination of one Velcro wrist closure, but that was fixed quickly under warranty and has been fine since.

I have not crashed in either do I can't vouch for durability in that regard. Very unlikely I will pay BMW prices again for made in China products. Might as well pay Chinese prices for Chinese products.

2017 KLR650 "Mule"
2007 K1200LT "Starship Enterprise", VOICE II, Navigator V, Motorrad Communicator
1987 Kawasaki Voyager XII
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