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RSRBOB, Technician
Category: Motorcycle
Satisfied Customers: 1078
Experience:  Former Factory Service Rep, Dlr Line Tech, Service Manager, General Manager, Store Owner
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My 2003 Polaris scrambler 90 in great condition was damaged

Customer Question

my 2003 Polaris scrambler 90 in great condition was damaged when my cubboards in my garage full of stuff came off the wall and completely damaged it. I am not sure if I should repair or just consider it a loss Could you tell me the price and labor I should pay for replacing the following items and if they are still available. seat, handle bars bent the grip is torn off one side large dent in gas tank both fenders broken off foot rest broken off start switch broken off brake broken off ???
Submitted: 1 year ago.
Category: Motorcycle
Expert:  john replied 1 year ago.

are you going to fix yourself?

Customer: replied 1 year ago.
no, I have to submit what it will cost to repair v replace to my insurance company. I am very sad about what happened. This was a case of a company removing the support of the cub boards when water went under and they were completely full and they fell onto everything in the garage. If I didn't care about my daughters quad It would have sat in the uncover side porch with just a cover over it. I have to provide the full repair cost with labor
Customer: replied 1 year ago.
also it would need to be repainted
Expert:  john replied 1 year ago.

the best bet is to load it up and have a Polaris dealer quote it out....if it was buy the parts used on ebay and slap it together...

Customer: replied 1 year ago.
I do not want that I need the amount it would cost in repairs to provide to insurance company can you provide this information as the web site said you were able to do.??
Expert:  john replied 1 year ago.

I can but its unlikely insurance will accept it as a estimate.ill opt out maybe another expert can with official letter head

Expert:  RSRBOB replied 1 year ago.

I will second what John told you. A Polaris dealer should provide an estimate for you on their repair order. However, if it comes to a repair/replace question, you need to know what the insurance company considers that threshold. Typically, an insurance company will total a vehicle out when the repairs equal or exceed 80% of the current market value. My suggestion to you is do a little research. The reason I say that is typically dealers will not charge for estimates if they get the job for repair. If it totals out, they may want to charge you an hour labor to prepare that estimate. I suspect this is going to be really close to totaling out. To take every action you can to prevent having to pay for an estimate, you should look up the parts that you can see that are damaged and get a total on that. I can tell you an off the cuff guess on labor based on what you presented, would be about 3 hrs. One thing to keep in mind when a shop quotes, or gets paid for labor by an insurance company, take in to consideration overlapping labor. that means if they need to take the handle bars off to replace the front fenders, they will not get full labor as if the ATV came in just for a handle bar exchange. They would pick up a little bit of labor because they would have to replace grips or switches. One other thing you mentioned was re-painting. Again, typically nothing is repainted as a repair, unlike the automotive industry. Typically they just replace the damaged parts, such as your dented fuel tank. This would be another question you could ask your insurance company too.

I just took a quick look at a Polaris parts catalog on line and it doesn't look like the fenders or seat are available any longer. Add the fuel tank to that list too. It is looking like all the major parts you need are not available. How your insurance company handles that is strictly up to them.

The sad reality is since it is a 2003, it isn't going to take much in damages to total the vehicle out. I looked it up on Kelly Blue Books and they put a retail value of $900 in excellent condition.

Hopefully that helps.

If you have any more questions, feel free to ask. If I would advise you, I would call your insurance company armed with the information given here and just see what they have to say. I wish you luck.


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