Take the money offered and repair it and enjoy.
Quote from: darrsi on 24 June 2017, 09:25:15 amThis is what insurers will be looking at.What site is that darrsi? I feel like being pissed off haha
This is what insurers will be looking at.
Few years ago I had a SMIDSY with a witness who offered video footage of the whole thing. First thing I did was contact my insurance to tell them what happened. A few days later the drivers insurance phoned and told me to get my bike fixed. Only after it was fixed did I phone my insurance and tell them I wouldn't be claiming. Didn't affect my premiums at all.Doesn't hurt to keep your options open. If it does go down the insurance route I can't see her insurance quibbling over £1500.
On the other hand a 20 year old ( if that ) girl in a BRAND NEW - last year Audi A1 WTF Daddy brought the car Daddy can pay for HIS mistakesHOLD ON -Driving in flip flops !!!!!! im sure her insurance will have something to say about that. I had all symphy for this girl but it is fast dwindling
Quote from: fazersharp on 23 June 2017, 10:08:31 pmOn the other hand a 20 year old ( if that ) girl in a BRAND NEW - last year Audi A1 WTF Daddy brought the car Daddy can pay for HIS mistakesHOLD ON -Driving in flip flops !!!!!! im sure her insurance will have something to say about that. I had all symphy for this girl but it is fast dwindling My thoughts as well. Inexperienced driver and driving in flip flops?!? For insurance - how does it work in the UK?In Serbia, if it is another driver's fault 100%, your premiums stay low. At least the obligatory insurance that pays damages to other people when it is your fault.If someone damaged my bike and weren't willing to pay for repairs, I'd go with insurance - what else is there to do?!Would I accept cash for the price of repair using 2nd hand parts? No, I'd get that from insurance - I'd expect at least about 30% on top of that.I had once hit a car, braking the rear signal light of the car, when I was young and inexperienced, first few months of driving. Paid the man what he had asked for - not wanting to bother with the police and thought it was the most decent thing to do to compensate him for the inconvenience. It was about 100 euros, but that was half my monthly wage at the time. My father had confirmed it was a fair thing to do, even though he was sure the price was "inflated". The upside for me was avoiding fine from the police and keeping the insurance costs low(er). Also, knowing the insurance is a bother and often takes months to pay for the damages, making sure the man doesn't have more inconvenience because of my fault was the least I could do.A (brand new?) Audi at 20 years of age...
I'm loving the fact you all presume she's little rich girl 'daddy's' money and yes perhaps twat was a bit harsh but answer this one if this damage had been done by yourself would you be 1. Claiming off your insurance2. Buying all new original parts and have shop do the work £15003. Sourcing the parts 2nd hand looking for a tank and fairing the same colour £500 aprox Are you out to make some extra holiday money or to punish the girl for her negligence. What was the circumstances of her reversing into the bike, had you parked behind her your photo doesn't show much of the road around. Was she on mobile phone or doing her hair (good reasons to hammer the cost)the benefits of cash settlement has to work for both parties(not meaning you should be a soft touch and lose out) and perhaps daddy is bluffing with going through insurance, though not likely as he set that ball in motion.I'm just
To reverse into another vehicle is simply a lack of car control either because she couldnt see,didnt look,or was otherwise distracted. That could easily have been a small child/pedestrian. There are far too many people behind the wheel who do not have the necessary skills/attitude to be in charge of a vehicle.I dont understand middens support of the girl-what has her age/type of car got to do with the fact that she has caused damage to this bike? If she cant see behind her then she needs to do something about it before she kills or seriously injures someone.
Basically, in the UK, if you ever have an accident whether you caused it, they caused it, or more than likely you even witnessed it or talked about it, then everyone's insurance goes up next time.It's a licence to print money and mug everyone off.
Quote from: Dave48 on 25 June 2017, 08:27:53 amTo reverse into another vehicle is simply a lack of car control either because she couldnt see,didnt look,or was otherwise distracted. That could easily have been a small child/pedestrian. There are far too many people behind the wheel who do not have the necessary skills/attitude to be in charge of a vehicle.I dont understand middens support of the girl-what has her age/type of car got to do with the fact that she has caused damage to this bike? If she cant see behind her then she needs to do something about it before she kills or seriously injures someone.I was parked outside the Society for The Blind. Ooohhhhhh the irony!
Quote from: darrsi on 25 June 2017, 07:40:07 amBasically, in the UK, if you ever have an accident whether you caused it, they caused it, or more than likely you even witnessed it or talked about it, then everyone's insurance goes up next time.It's a licence to print money and mug everyone off.If your insurance has to pay anything its regarded as "at fault" and next year your premium will probably be more than the bike is worth. Your car insurance will also go up. If her insurance pays its "no fault" and your premiums are not touched and you will not have to pay an excess. I know this from experience of both. In the "no fault" scenario they gave me a loan bike while mine was being repaired and replaced my boots and lid - I was on the stationary bike when someone drove into it. They (the drivers insurance company) said I would not be expected to be any worse off as a result of their driver's actions.
I've also heard a few times of people claiming on other peoples insurance for damage caused to their vehicle through no fault of their own, the same as this scenario, and their insurance went up because they had made a claim.Maybe different companies have different rules. They're still all slippery buggers at the best of times though.http://www.thisismoney.co.uk/money/cars/article-3052191/How-drivers-insurance-costs-soar-no-fault-accidents-don-t-claim.html