Join Date: Jan 2018
Thanked 12 Times in 11 Posts
How I Arrived Here
Hey, I never introduced myself, I just slipped through the cracks and started commenting.
My name is Matt and I live in Iowa. In 2013 I purchased a brand new M109R (Dark Horse) because I wanted more than what my M50 (JC) was offering, although I still have the M50.
In April of '15 I was involved in a hit and run accident where I clearly had the green light. At this time, it's difficult for me to go into details because many unfortunate things happened that caused after over 3 years of legal battle, a jury decided that they didn't have enough proof that the car that immediately caught up with the driver still in my sight, caught the right guy. She even stated that he drove randomly around the neighborhood trying to lose her. He even admitted to driving around with no explanation of why. He was later ticketed by a deputy sheriff, who testified that there was no doubt that he caused the accident. When the officer found out on the stand that said driver won his ticket fight because no one was subpoenaed to testify against, he was extremely upset. He stated the driver kept changing his story. I was accused in closing arguments of "jackpot justice" because I saw a Cadillac and pulled my 2 year old bike in front of him to get rich. I had already planned and paid for the 75th Anniversary trip to Sturgis including having purchased a toy hauler in February.
I am now set back 5 years financially because I missed over 4 months of work at disability pay which doesn't include overtime that I had consistently had with my company since at that time was 9 years. I also incurred 8 separate bills to which 7 were completed by myself and the 8th turned me into collections, even though we had an arrangement. I had to use my credit cards to cover shortages and now I sit with 3 maxed out cards due to interest rate charges.
It's difficult to ride like I had before. My knee was broken and several other lesser injuries which still bother me. I had purchased a Honda Fury just before Sturgis because my insurance company forgot to give the go ahead for repairs to Dark Horse (named before Indian returned). Knowing that the M50 wasn't going to be the ride and Fury's just were reduce by $2000, I thought the lower riding position would help alleviate some pain. I got DH back in time for Sturgis and in May of '16 I traded the Fury for My C90T (Templar). Dealer is a friend and I only lost $200 in trade, not including taxes and licensing fees. We all know that's inevitable. Insurance is cheaper and the interest rate was 0% compared to Honda Financial which charged 3.99% Payment was nearly the same and as we all know, that's a lot more bike than a Fury is.
The accident ruined many of our plans. Initially, we were going to put removable bags on DH and a better backrest for Becky. Plus, I have a hitch mount for a trailer (never installed). Becky was always scared of DH because it's a power demon and wanted us to be a little more down to earth for traveling. We talked about Goldwings, but realized we could deck out a 90 for way less and only be void of cruise and heated grips. Grips are no big deal for aftermarket and no one seems to be able to make a universal cruise for bikes, but the dollar difference is significant.
Yes, I gave up certain things to be able to offset this new cost, even though I was accused of buying another bike while expressing financial hardship. For one, I no longer have my motorhome which was used for down payment on the toy hauler. Toy hauler was lost to a hail storm last year. I'm down to tents again for the 1st time in 15 years. I live in the oldest and worst looking house in the neighborhood and my main vehicle is 15 years old. I live poor and give all my extras to charity. My main enjoyment were my rides which have been significantly reduced. How reduced? Templar hasn't had it's 1st oil change yet and I got it in May of 2016. Dark Horse had 4600 miles on it at the end of 5 months. Just to sight examples of reduction, before and after. It hurts my knee to ride to long and my big toe was caught under the shifter. My toe was smashed but not broken and the new nail grew under the skin. It's like a dull knife blade digging in when I shift.
I hope that some of you hung with me here and read all this. At some time I can add details, but since this just happened on Thursday and the fact that this was a clear cut case. We were concerned about payback, not losing entirely. My lawyer, who is a friend said "You just witnessed a travesty of justice". I'm get very upset just going through the details with friends.
I was needing some moral support from people who understand that everyone on a bike doesn't deserve to be hit because we get categorized.
Thank you for your time, Matt