Fazer Owners Club - Unofficial
General => General => Topic started by: youngsterbiker on 12 February 2015, 04:37:41 pm
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so... there i am, my daily commute, someone pulls out without looking, i hoot, i brake, no reaction.... I try to go into 2nd lane, she keeps going.... she drives into me. im on the floor, she gets out and calls me crazy. lovely lady...
(http://i1262.photobucket.com/albums/ii601/Fen_Sheridan/bike/DSC00121_zpsln3ep8kr.jpg) (http://s1262.photobucket.com/user/Fen_Sheridan/media/bike/DSC00121_zpsln3ep8kr.jpg.html)
She was were the blue citroen is. cars in (pictures) left lane let her out. I was in right lane pondering along. she decides she is going into left lane. you can see what happend. lucky i was only doing 25 - 30 at the time....
couple of witneses who gave statements, both saw the whole thing.
Just pissed off, no ride to excel tomorrow now.
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Gutted. Blind cow.
Hows the bike? As long as you ok mate !!
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Front fairing is cracked, exhaust has dented and scratched to hell. slider did its job on that side of the engine.
The side she hit me on looks like https://scontent-a-lhr.xx.fbcdn.net/hphotos-xpf1/v/t1.0-9/1798104_10206721772029228_6670839854703673614_n.jpg?oh=eff5a0d4ff9db102e0280f30e7c3be6e&oe=5548CC2F (https://scontent-a-lhr.xx.fbcdn.net/hphotos-xpf1/v/t1.0-9/1798104_10206721772029228_6670839854703673614_n.jpg?oh=eff5a0d4ff9db102e0280f30e7c3be6e&oe=5548CC2F)
Engine casing damaged, radiator bent and leaking, shifter you can see.
Also the fuel tank emptied itself all over the road... confused.com
my hips is starting to inflame so doctor check up later.
Just happy i had the reflex to swerve around her, could have been alot worse if not.
Silver lining i survived with minor damage, just hope insurence all goes as it should.
Another fun fact is her front left tyre was bald, less then 1mm of tread. So im sure she is going to suffer more than me.
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so is that one way traffic with two lanes, were you in the police car lane (i know you said right but whos ) but then you said she went to the left lane.
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one way traffic. left lane i mean the lane the police car is in. i was in lane police car is not in.
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Ah I see now
Thats a lot of damage on her car
I think the fuel was from the bike on its side and -- now then -- is there an overflow pipe or is it just going through the breather hose on the tank
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It emptied pretty quick. It was on its side for about a minuite, tank went from 3/4 full to empty. Its at the local bike shop now so will ask them about it tomorrow.
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Glad you're ok mate goes to show they're all out to get you.
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Well you shouldn't have any issues with it - but her tyre won't be viewed as at all relevant as it didn't cause the accident!
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I know the tyre won't come into the accident. (this will sound horrible) I hope she gets fined for it, teach her to look after her car more. If she's ignoring a tyre for that long, what else will she ignore? bikers?
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Might be a factor ? Could mean stopping distance impaired ?
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Might be a factor ? Could mean stopping distance impaired ?
she wasn't trying to stop
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Glad you're ok.
Can't you get a hire bike from her Insurers while yours is off the road?
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If a vehicle has been involved in a RTA and the police find a serious defect (& a bald tyre is classed as a serious defect) on one of the vehicles involved then they will always issue a penalty notice or at least an official warning and that information will normally go straight onto the insurance database for both companies and loss adjusters to see. If this hasn't been done then you can make a case firstly with the officer in charge of the traffic division of that area, and then with the IPCC.
That information may not have been a deciding factor in the accident but it does have a huge bearing on the claim, Normally once the insurance company know that their client's vehicle had a serious defect at the time of the accident then it tends to make them a bit more pliable and eager to settle the claim.
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plod may not notice the tyre but an insurance assessor might.
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We made sure they had seen the tyre.
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A few years ago I changed jobs to one that didn't come with a company car and bought myself a shiny second hand Golf GTI for getting to and from work in. Exactly one week after starting the job I stopped at some traffic lights quite quickly. The 7.5T truck behind me stopped (just) and the little Bedford Midi van behind him didn't. Result was that the Midi was demolished, the truck was scratched and my car had the rear panels stoved in.
On close inspection the Midi had tyres that were moulded using a very shiny head as a mould. Absolutely no tread visible. I cant recall who pointed this out to plod when they arrived :whip
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Is there a part 2. Will we have to wait till nxt week for the final result? ;)
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It took 7 weeks to claim off my own insurance when my bike was written off (by a lady in a car) and well over a year to claim it back as I wasn't at fault, hope you do better.
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Think i'll cry if it's a year. Had plans to tour Scotland this year as it could be the last year I will be working up there. :/
As for updates, Orwell motorcycles in Ipswich picked the bike up and as of 10am had not yet done the estimation.
I went to excel bike show today, just to forget about stupid drivers and admire shiny bikes. :D
Insurence company will be called tomorrow aswell as bike shop and other partys insurence to see where to go from here.
Will post on here when i know.
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glad your ok young one, the bike don't look that bad, good luck with the pain,.
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First lesson- if the third party doesn't accept liability to their insurance company then it'll take more than a year to get full payout!
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I just want the bike to be fixed and me sent on my way.
I know it needs to be looked into, but with 3 witness statements + the fact i had a green light should make it easy right?
I am starting to hate the world more and more each day...
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I am starting to hate the world more and more each day...
Ahh now youngster becomes oldster ------------ wellllllcooooome !
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I just want the bike to be fixed and me sent on my way.
I know it needs to be looked into, but with 3 witness statements + the fact i had a green light should make it easy right?
I am starting to hate the world more and more each day...
Even with my gopro footage my last accident took 2 years for full payout!
I'm not saying that's a definite time line for your accident, but don't expect anything to be resolved next week!
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Glad your ok mate.
Out of interest how old was she?
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Going by the car I would say 28
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at a guess id say mid 30 - mid 40
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So quick update. Called my insurance today, to see if they had done anything. Nope, they are waiting for the other company to contact them... Great i thought.
So what did i do? I called the other insurance company, spoke to a guy in the claims department. He took the details and stuff. Should be getting a call-back within the next 24 hours telling me where to take the bike to get it fixed. So hopefully all is sorted and right with the world....
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Glad you are ok.
Regarding the illegal tyre on car...her insurance company could well say she was in breach of her contract for failing to maintain her vehicle in roadworthy condition.
Makes you wonder how many others there are out there :eek
Unfortunately, as you now know so many dont look & even fewer actually SEE bikes.
Hope all is resolved speedily.
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I think what resonates with me here is that someone let her out.
This really really really irritates me on the roads that instead of just abiding by the rules and letting the traffic flow that everyone is blocking their own lane or even contributing to crashes because they're letting someone out.....it is courtesy gone wrong.
Ive had folk stop on a roundabout in front of me to let someone out......its a foccin roundabout!!!
& when people are let out the tendency is to rush so as not to inconvenience mr goody two shoes that is flashing you out, then what happens......too much rushing, too much trusting, not enough looking.
Lorries flashing each other in on the motorways.......does my tits in too.....if you need flashed in mate then you dont deserve your HGV licence, never mind vans and cars doing it too.......has this died a death yet?
:grumble
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I am starting to hate the world more and more each day...
Ahh now youngster becomes oldster ------------ wellllllcooooome !
Welcome to the dark side :evil
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I think what resonates with me here is that someone let her out.
This really really really irritates me on the roads that instead of just abiding by the rules and letting the traffic flow that everyone is blocking their own lane or even contributing to crashes because they're letting someone out.....it is courtesy gone wrong.
Ive had folk stop on a roundabout in front of me to let someone out......its a foccin roundabout!!!
& when people are let out the tendency is to rush so as not to inconvenience mr goody two shoes that is flashing you out, then what happens......too much rushing, too much trusting, not enough looking.
Lorries flashing each other in on the motorways.......does my tits in too.....if you need flashed in mate then you dont deserve your HGV licence, never mind vans and cars doing it too.......has this died a death yet?
:grumble
:agree
Noggy
You've hit the nail on the head here matey, these do gooders at times put peoples live at serious risk, the road layouts dont help at times either.
Especially them little islands as you approach or leave smaller round abouts or traffic lights, some think there crossings and stop to allow perdestrans to cross. I saw the aftermaft of one a while back, the woman who stopped got a very large HGV up her arse which pushed her into the poor sod she'd stopped for :eek 2 other cars hit the HGV at least 3 people hurt and 4 vehicals damaged it's madness :rolleyes
The standard of some peoples driving is shocking, anyone live in an area with a lot of our Middle Eastern or Indian friends, roads signs or lanes dont exist, red light means 2 more can get through, left indicator means turn right. But never mind we have speed cameras to sort it all out.... it's a joke a bloody deadly one :( :evil
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I think I may see what factors COULD of contributed to this one. Youngsterbiker is not at fault here.
I blame cars daylight running lights. I always ride with my bike lights on as do a lot of bikers, a few years ago before the stupid EU ruling when cars did not have to have them, if you saw a light you knew it was a bike or a volvo and could see them a mile off.
But now we are lost amidst a sea of lights, and there seems to be a stupid fashion from car manufactures building cars with ever fancier light clusters with shapes and patterns just to build a brand into lights that can be reconcilable for miles. And they are designed to compete with the sun on the brightest of days but in this country with many months of low light and long twilight they are just too bright.
I have taken to wearing a high vis top through the winter months as just having my lights on is no longer enough.
Sorry for ranting on your post youngsterbiker ! I blame noggys post --- he set me off
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Excellent point Fazersharp, manufacturers will be making them flash next just to interfere with other road users vision, including the poor pedestrian trying to cross the road........especially at night
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So now I hear the EU have voted for it to be mandatory for new bikes to be fitted with ABS. SO WE CAN STOP !!! WHEN some idiot did not see us because of the stupid EU daylight running lights ruling in the first place
Ahhhhhhhh. I think Im going to have an embolism.
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The giving way problem amplified by the 'I don't bother to use indicators problem'. You don't need to know where I'm going, so just guess. Then you can hesitate and I can pull out in front of you :rolleyes
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I think what resonates with me here is that someone let her out.
This really really really irritates me on the roads that instead of just abiding by the rules and letting the traffic flow that everyone is blocking their own lane or even contributing to crashes because they're letting someone out.....it is courtesy gone wrong.
Ive had folk stop on a roundabout in front of me to let someone out......its a foccin roundabout!!!
& when people are let out the tendency is to rush so as not to inconvenience mr goody two shoes that is flashing you out, then what happens......too much rushing, too much trusting, not enough looking.
Lorries flashing each other in on the motorways.......does my tits in too.....if you need flashed in mate then you dont deserve your HGV licence, never mind vans and cars doing it too.......has this died a death yet?
:grumble
:agree
Noggy
You've hit the nail on the head here matey, these do gooders at times put peoples live at serious risk, the road layouts dont help at times either.
Especially them little islands as you approach or leave smaller round abouts or traffic lights, some think there crossings and stop to allow perdestrans to cross. I saw the aftermaft of one a while back, the woman who stopped got a very large HGV up her arse which pushed her into the poor sod she'd stopped for :eek 2 other cars hit the HGV at least 3 people hurt and 4 vehicals damaged it's madness :rolleyes
The standard of some peoples driving is shocking, anyone live in an area with a lot of our Middle Eastern or Indian friends, roads signs or lanes dont exist, red light means 2 more can get through, left indicator means turn right. But never mind we have speed cameras to sort it all out.... it's a joke a bloody deadly one :( :evil
Near my work the record was nearly broken at a crossroad junction the other day at jumping the hard RED light but the EIGHTH car bottled out!!
I've seen seven cars jump the red light three times now, it's really quite shocking, and why I look everywhere before moving off. :eek
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The bike is a total loss according to the garage... :( after only 2 and a half months.
Has anyone had this happen to them? If so did the insurer offer you an acceptable amount for it?
Been told my best bet if they under value it is to find the same model, with the same accessories, from other dealerships and send them those?
And Noggy you are absolutely correct with: I think what resonates with me here is that someone let her out.
Some one let her out 2 lanes over, She then didn't bother to look.
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The way insurance companies work, a cracked fairing would probably make it a total loss. They look at the price of the parts (brand new, dealers list price) the cost of the labour to fit it and any paintwork that might be needed. You can soon rack up a huge bill working it out like that when they compare it with the trade value of the bike. Get a list of the damage from the dealers that assessed it and then tell the insurers you want to buy the salvage. They will pay you the value of the bike, or something close, less a couple of hundred at most which will be what they value the remains at. You then hunt around eBay and ask on here to get the bits that need replacing, buy them secondhand, fit them and with what's left over pay for your trip to Scotland.
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The way insurance companies work, a cracked fairing would probably make it a total loss. They look at the price of the parts (brand new, dealers list price) the cost of the labour to fit it and any paintwork that might be needed. You can soon rack up a huge bill working it out like that when they compare it with the trade value of the bike. Get a list of the damage from the dealers that assessed it and then tell the insurers you want to buy the salvage. They will pay you the value of the bike, or something close, less a couple of hundred at most which will be what they value the remains at. You then hunt around eBay and ask on here to get the bits that need replacing, buy them secondhand, fit them and with what's left over pay for your trip to Scotland.
That's how to do it mate. Had an accident on my faired 600 hornet a few years back, bike valued at £2k, repair costs quoted at around £1800, so they wrote it off. Bought it back for £300, cost me about £250 for the bodywork to be repaired and resprayed, maybe £50 for brake levers, bars, and a mirror, and then used a lump of the remaining £1,400 odd to buy a steering damper, Nitron shock, upgraded the forks and calipers, and generally pimped it!
Ended up with a much better specced bike, in custom colours, and a good few hundred quid left over towards uni!
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just do the math for me again please, is this right, they value at £2000, thats what you would of got, but instead they sell you the salvage for £300 so they actually give you £1700 and the bike.
But what about any future insurance as it is now classed as a write off
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The guy at the garage was suggesting I would not be allowed to get the salvage. Other problem is it needs ALOT of wort. New downpipes, new radiator, something to to with the exhaust, and something about cylinders. Since I know nothing about motorcycle mechanics, I would be useless. Plus I leave for scotland on thursday.....
I dont want to but she has to be replaced :(
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But what about any future insurance as it is now classed as a write off
Also wondered about this? I'm guessing it would have to go to a garage to be checked over?
Any one know what happens with my own insurance? Do they refund me the remaining months? Would ask them but they charge per minuite and are "apparently" always busy leaving you on hold for 10 mins...
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just do the math for me again please, is this right, they value at £2000, thats what you would of got, but instead they sell you the salvage for £300 so they actually give you £1700 and the bike.
But what about any future insurance as it is now classed as a write off
Matey they claim the value back from the other insurance if there's a third party at fault and you would not be loaded for next year, if it was your fault and you were fully comp your insurance company would have to pay and it would go against you next year.
It's not up to the stealer who's gets the opportunity to buy it back, some will try and tell you, you can't and buy it themselves to either sell on as a repairable or repair and sell themselves. Harder to do these days as insurance companies use a preferred stealer/company to off load there beyond repair bikes. If you want it tell your insurance company that you do. Providing it's just a beyond economical repair, as there're different categories go here http://www.rac.co.uk/community/blog/rac-blog/september-2011/what-is-an-insurance-write-off (http://www.rac.co.uk/community/blog/rac-blog/september-2011/what-is-an-insurance-write-off) if you want to know more, I'd say this one looks like a D.
They will just deduct whatever price you agree to pay for it out of the write off value. e.g. bike valued @ £2000, scrap value to you £300 they pay you £1700.
Don’t just except what they ask for either, make sure you do your home work what actually needs replacing and under cut their first 2 offers. Stealers/insurance inspectors can and will put down a replacement part when it doesn’t really need it i.e. old damage, just a scratch etc. It is possible to get a stealer to deliberately write a bike off or rather ensure it does get written off or the other way around, strictly not legal but it happens. It's all a bit of a rip off really some stealers repair so many damaged bikes the insurance inspectors don’t even look at the bikes they just take the stealers word for it and some of these so called inspectors don't even know what they're really looking at!
Also it's not been unknown for a stealer to write off a bike by putting on damaged parts from another bike without the owners knowledge to get a bike written off so they can then buy it to sell on at a huge profit, this sort of thing is rare but happens to new sort after or rare bikes and it's totally illegal.
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Any one know what happens with my own insurance? Do they refund me the remaining months?
Some will refund, others will charge you for the full year and then cancel the policy, it depends on the company. If you buy the remains back, insuring it later may be a problem depending on what category they give. If it's a Cat C, some insurers won't touch it but others will expect it to have a new MoT to confirm it is OK. Cat D and most will insure it as that usually applies to cosmetic damage only (I've seen Cat D cars that have been stolen and recovered and all they need is a set of locks, but have been written off due to the costs of supplying the owner with a hire car, etc). If you buy it off them they may not even register it as having been damaged so it won't have anything shown against it.
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We're missing another thing here for our dear youngster- remember to claim for the slightest damage to any clothing you were wearing and your helmet and gloves, remember, this is an accident that was not your fault and it is 100% reasonable for you to get money for any equipment that has been damaged due to this stupid cows negligence!
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Plus the hire/use of alternative transport up until you get the pay off. Assuming the bike was your only transport, for work etc.
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re. your insurance, you have a short time to transfer to another bike, not sure how short the time is but, I bought another bike 6 weeks after mine was wrote off (and before I had been paid out) so had to start again, lost 4 months insurance, plus loss of no claims bonus (the no claims I got back and the extra I paid on 2 years insurance) but I didn't get the 4 months insurance back but I had fogot to ask about it? after they drag things out for well over a year you tend to forget things.
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update: Been offered 2000 told them to add a couple more hundred.... god i hate insurance.
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I never managed to get my 125 fixed (only a bent disk but that's about £200 with fitting to a £300 bike) in the end I just gave up. (ebay and a helpful brother got is sorted for next to nothing)
Keep a not of any doctor visits as well as adding the cost of any gear to your claim.
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so a new bike has been ordered. 2000 fzs "boxeye" cheque is in the post.
finally will be back on 2 wheels
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I just want the bike to be fixed and me sent on my way.
I know it needs to be looked into, but with 3 witness statements + the fact i had a green light should make it easy right?
I am starting to hate the world more and more each day...
Welcome to the real world, my last SMIDSY, I ended up contacting the idiots insurance company myself and was eventually paid within 6 months. A right pain it the Foccing Arse
Have you not learned the rules of the road in relation to traffic lights yet.
Red Stop if you can after the 3rd four wheel vehicle
Orange go Faster
Green Wait until the 4th or 5th 4 wheel vehicle stops before proceeding
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I just want the bike to be fixed and me sent on my way.
I know it needs to be looked into, but with 3 witness statements + the fact i had a green light should make it easy right?
I am starting to hate the world more and more each day...
Welcome to the real world, my last SMIDSY, I ended up contacting the idiots insurance company myself and was eventually paid within 6 months. A right pain it the Foccing Arse
Have you not learned the rules of the road in relation to traffic lights yet.
Red Stop if you can after the 3rd four wheel vehicle goes through
Orange go Faster
Green Wait until the 4th or 5th 4 wheel vehicle stops before proceeding
Near my work that would mean you'd get hit by the 6th or 7th red light jumper! :\
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I just want the bike to be fixed and me sent on my way.
I know it needs to be looked into, but with 3 witness statements + the fact i had a green light should make it easy right?
I am starting to hate the world more and more each day...
Welcome to the real world, my last SMIDSY, I ended up contacting the idiots insurance company myself and was eventually paid within 6 months. A right pain it the Foccing Arse
Have you not learned the rules of the road in relation to traffic lights yet.
Red Stop if you can after the 3rd four wheel vehicle goes through
Orange go Faster
Green Wait until the 4th or 5th 4 wheel vehicle stops before proceeding
When i called my insurance a week after the accident I asked what they were doing about it. They said they were waiting for a call from the other party.
After I asked them why I was paying them 500 quid a year to do foc all, I did the research and have done all the leg work myself. To this day i have had nothing from my own insurer.
question is, why do i pay so much for them to do absolutely nothing?
Damn this world.