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fz07nc

Now what do I do?

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fz07nc
This past weekend was an adventure. I had the opportunity to ride out to the Smokey Mountains, camp overnight, and ride the Tail of the Dragon. Everything was going smoothly until Sunday afternoon…
 
 
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I had just completed riding the Tail of the Dragon (South to North) and I decided to cut across east to Gatlinburg. I turned down what looked to be an excellent country, mountain road… Happy Valley Road. Ironically, I had a terrible time on this road; I was not happy at all.
 
 
Not 2 miles after heading down Happy Valley Road, I encountered a house with not 1, not 2, but 7 dogs in front (near the ditch). As I approached the entry-way to the home, I slowed as to not hit one of the dogs at full speed. The dogs became agitated and ran out into the road and started chasing me. In an effort to spook the dogs back to their home, I revved the engine, but they would not shy away. I’m not certain if the dog bumped me over to the right, or if I just caught a slick patch of dirt, but the next thing I knew, the bike was out from under me. It skid about 15 feet on the OES frame, fork, and rear axle sliders. Thank God for these.
 
Furious with adrenaline pumping, I picked up the bike to assess the damage.
 
 
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The handlebars were bent, pinched right at my RAM mount.
 
 
The clutch lever was broke in half. A real shorty lever now!
 
 
The left bar end and OES sliders were scraped up.
 
 
The shifter was bent.
 
 
The stock left mirror broke off.
 
I had a decent amount of pain in my knee, but I didn’t become worried until blood started to show through my jeans.
 
By this time, the dogs had begun to retreat back to their home front, likely boasting about their ability to drive a motorcyclist off the road.
 
 
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The amazing thing is, I have video evidence of this entire event. I set up my phone on my GPS mount 5 minutes prior to riding down Happy Valley Road. I thought it would be cool to see the scenery after my ride.
 

 
3 days later, I have a decent scrape on my left knee, bruising on my left shin, and a scrape on my hand. I think this will all heal within a month.
 
 
So my question for you all is… what do I do now? Do I file an insurance claim? Do I send a letter to the owner of the home? Do I pursue legal action?
 
Thanks!
 
 
 
 
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pH
Notify your insurance carrier, tell them everything and save copies of whatever your give them. File a police report with the agency that has jurisdiction where the home is. Contact the local animal control. Once you have done all this and gotten some feedback then consider contacting and attorney. Glad your overall ok and the dogs didn't attack you on the ground. pH
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cndnmax
You can sue for anything, I wouldn't be surprised if you won that one. Attacked by loose dogs caused accident. I doubt the dogs "pushed" you down but looks like you took evasive action because you feared for your safety (hint).

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pH
You have to sue the dogs owner, don't just assume they belong to the homeowner they could be strays or belong to a renter or something odd ball. Do not approach the homeowner contact your insurance they will advise you.
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love2gro
Wow man so sorry to hear this! I wouldn't be a very happy camper right now.
 
Some dogs just have a hatred for motorcycles or cars. Every time I go to my parents there is a Boxer at the first driveway that will chase me in my car, barking and biting at my wheel. I'm surprised he hasn't been run over yet. Thankfully He dont Chase Me far due to his fear of getting his butt whooped by my protective dogs again if he gets near my parents property. Silly thing is he doesn't even live near that first driveway, and the owner doesn't seem to care what so ever. I haven't and don't want to ever experience it on the fz.
 
Anyway I don't mean to hijack the thread or anything, just sharing my experience.
 
PH gave perfect advice. The sooner you file the report the better, as this type of thing can take a while to deal with. Don't let these dogs ruin your summer riding time! And I really hope the owners get their ears chewed off about this and learn to control their animals. Who needs 7 dogs anyway?
 
Good luck man and I hope you can get this situation dealt with as soon as possible. Stay safe out there!

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Lucius
Sorry to hear about your accident. Glad you are mostly okay. Seems like the Frame Sliders helped out quite a bit. Hard to protect the handlebars though. I agree with what was already advised here. Good luck. Hope you let us know how it turns out.

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2wheels4life
I am an animal control officer. The owners of the dogs would probably get is cited for having dogs at large and I'm sure they aren't neutered so intact male at large could be pricey if there were a couple. The video is not good enough to prove dogs made contact with you to cause the crash. Without teeth breaking skin or a good video of an attempted bite the word ATTACK wouldn't be used when reporting it. More like chased. Dogs don't attack passing cars they chase them. I obviously don't live in your state and laws vary but I've had my hands tied on more than one occasion in these types of situations because animal laws just aren't tough on offenders. More honest the better. Make it clear they made your focus shift from the road but adding evasive maneuver when the video doesn't show it could be a mistake. Your word means less if they feel you exaggerate. Just my two cents. Good to pursue at least for the dogs sake of nothing else comes of it. Good luck

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fz07nc
Does it change anyone's opinion about filing with my insurance for a claim if I provide information that my deductible is $1000? I have full coverage with Progressive, but I'm totaling the damages to be less than $500 in parts.
 
I suppose if something else should happen this year, the damages would be covered after reaching the deductible.
 
I found out that motorcycle insurance and deductibles work on a per incident basis.  It's not like health insurance where it's cumulative and adds onto each other.

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fz07nc
I am an animal control officer. The owners of the dogs would probably get is cited for having dogs at large and I'm sure they aren't neutered so intact male at large could be pricey if there were a couple. The video is not good enough to prove dogs made contact with you to cause the crash. Without teeth breaking skin or a good video of an attempted bite the word ATTACK wouldn't be used when reporting it. More like chased. Dogs don't attack passing cars they chase them. I obviously don't live in your state and laws vary but I've had my hands tied on more than one occasion in these types of situations because animal laws just aren't tough on offenders. More honest the better. Make it clear they made your focus shift from the road but adding evasive maneuver when the video doesn't show it could be a mistake. Your word means less if they feel you exaggerate. Just my two cents. Good to pursue at least for the dogs sake of nothing else comes of it. Good luck
The dogs being in my lane isn't enough evidence?  I know I'm biased and my video isn't the best since it's not head-on forward with the bike, but this seems absurd. 
 
 

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NICKY NEON
I see you had protection for the bike, now what about you ?

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bmwpowere36m3
Glad your okay. Asses the damage to yourself, medical costs and bike, parts. Then determine if it's more than your deductible. Depending, it might not be worth filing with the insurance company as rates might increase.
 
I don't see anywhere near $1k in bike damage, I'd venture around $500 not including labor. Filing a police report won't hurt, but as mentioned the only people that can be held accountable might be the dogs owners. Also worth noting some insurance companies or policies don't cover collisions with animals. So best to do your homework first.

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jake
I feel your pain but just be glad you are ok and fix up your bike and ride another day.
 
Odds are nothing will come of it but you do what you feel you should. Most the time you will be wasting a ton of time ad money just to prove a point.

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No Hater
I would at minimum call animal control no matter what you do. Not only is it unsafe for the dogs to be running in the road, this could happen to others. One dog running around is one hazard but, even in a car a pack (and 7 would consist of a pack to me) would be enough hazard for someone to possibly drive off the road or cause serious damage.
 
Im surprised they didn't attempt to attack you. You can clearly see the brown dog coming at you with aggression (noting the standing up hair on his back).
 
Glad you are okay and its good to see the sliders did their job at relatively low speeds. They seemed to have saved the expensive stuff from being damaged. Look at the bright side.....you now have a reason to upgrade the bars.
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howworkclutch
 
i'm near charlotte. if you need help fixing it hit me up
 
 

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2wheels4life
I am an animal control officer. The owners of the dogs would probably get is cited for having dogs at large and I'm sure they aren't neutered so intact male at large could be pricey if there were a couple. The video is not good enough to prove dogs made contact with you to cause the crash. Without teeth breaking skin or a good video of an attempted bite the word ATTACK wouldn't be used when reporting it. More like chased. Dogs don't attack passing cars they chase them. I obviously don't live in your state and laws vary but I've had my hands tied on more than one occasion in these types of situations because animal laws just aren't tough on offenders. More honest the better. Make it clear they made your focus shift from the road but adding evasive maneuver when the video doesn't show it could be a mistake. Your word means less if they feel you exaggerate. Just my two cents. Good to pursue at least for the dogs sake of nothing else comes of it. Good luck
The dogs being in my lane isn't enough evidence?  I know I'm biased and my video isn't the best since it's not head-on forward with the bike, but this seems absurd. 
 

 

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