So, had the dumbest 10MPH wreck ever in July. I took the bike up to RMK and called my insurance company. The insurance company tried to total the bike due to a bent frame, I argued, won and had RMK do up the estimate which came in at $5700ish (Insurance would total the bike at $6400). The insurance company wrote out a check in both mine and RMK's name and RMK ordered the parts. I payed my deductible and paid for a rear tire that needed to be changed out.
I was not in town for most of this process and had to handle over the phone with Grant in service. I had my roommate pick the bike up and called RMK again to confirm that nothing else was owed. Grant stated he forgot to put a fender on the estimate and would talk to the insurance company about it and no, I didn't owe anything else.
I just got a phone call from them saying I owe over $1000 worth of parts and labor. They want me to pay for the fender, as well as purchasing and installing new frame sliders, and damaged transmission parts and other parts that didn't make it on to the estimate. The insurance company is refusing to pay any more money on the claim (not faulting them, I'm ok with that). Grant is off for the winter and not available.
1. The fender: Grant forgot to include it onto the estimate to the insurance company...this one I can kinda see as my problem, but not really
2. I asked them to order the framesliders, not install them. The framesliders were covered under an allowence I received from the insurance company for the dent in the frame
3. It is not my fault that they didn't drive the bike before they submitted the claim. I also told Grant that when the money came, to fix the mechanical pieces first, then fix cosmetic. I didn't really need a new wind screen (a few small scratches) or tank (again, a few scratches) if the transmission needed to be fixed. I found out about the transmission stuff when Grant called me to tell me the bike was fixed. I asked him about the money for it and he said no need, he had juggled some things around and it was covered.
It's been 7 months. They let me pick up the bike and they cashed the check from the insurance company as well as charged my CC for the tire and deductible. Can they really come after me 7 months later because they screwed up the paperwork on their side? What can they do to me other than sue me? Put a lien on the bike?