I know, I hear all of you say that it will eventually happen, and I say I refuse to let it, but today it did. It wasnt my fault, just minding my own business, when all of a sudden... I was in Spokane heading down one of the main streets on a one-way. I was in the far left-hand land going about 10mph on the ole 12 wearing full gear (jacket, helmet, gloves, boots), just cruising along. An SUV was sitting in the center lane and decided to turn and cut across two lanes to get into the restaraunt parking lot. The driver never saw my bike, and t-boned right into me. The most remarkable thing of this tragic event, I never fell off my bike. I hung onto the handlebars not willing to let old faithful hit the ground. She hit me very hard up front, and I was rattled just trying to hang on and ride out of it. So I did just that, took a huge hit that ripped the entire right side of my bike and drove up into the parking lot and parked. The SUV followed me into the lot and pulled over as well. Lady driver was all apologetic. I threw my gloves to the ground and screamed! I dont think I've ever been so shook up before. Talk about an adrenaline high raging within, it's truely unbelievable. Not just for the event itself, but the thoughts that six inches more or less could have been my right leg. She was willing to do whatever it took she said, and she knew she was in the wrong and it could have been much worse. I can distinctly remember the peace of the air and this sudden crash as we collide together. She had full coverage insurance with Progressive, called the Claims Department and told them that it was her fault and what happened. She had a passenger with her, whom also said it was her fault. Just to be on the safe side, I asked that she call the police to file a report so that I this in writing. Spokane city police officer came out and took statements from the three of us. They both said the driver was at fault, and I did nothing wrong. Officer gave me a collision report, and I contacted Progressive when I got home. Of all the people in the office, I got the same lady the driver had called and fully admitted it was her fault. She said it is of course the adjustor's decision when he looks at the bike and reads over the statements, but she sees no reason why they [Progressive] would not repair the motorcycle. So it appears at this point that the bike will be fixed. I bought a new turn signal for it and went to the dealer to have them do a visual inspection. I can still ride it he said, and they will do a claim estimate next week. Progressive will do one earlier the claim dept was saying. I just parked it in my garage, and took a ton of pictures of the bike on the ole digital camera for documentation. Now I begin this process... I'd like to take the money to fix the bike, and just fix it myself. The thing that sucks is I'm at the mercy of the claims adjustor to total the bike, when there is absolutely nothing wrong with it. The big thing going against it is the high mileage which brings the valuization down on it, so we'll how the numbers all work out when it's all said and done. The messed up thing about the process is then my VIN number is dinged with a claim on it when it wasnt even my fault. So with all that said, I can still say I never wrecked or laid a bike down. I hung onto that bike like no other. I started riding motorcycles (Ninjas, in fact) back in 1996. So it's been nine years without incident. It was bound to happen I kept hearing, and well that is what happened to me. The crazy thing was I had no sense of paranoia when I got back on and drove off. But I cry everytime I look at the shambles my bike is in. But it could have been worse, that I know.