Date: 25-10-21  Time: 21:12 pm

Author Topic: accident  (Read 8180 times)

Gnasher

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Re: accident
« Reply #25 on: 14 February 2015, 03:39:54 pm »
Glad your ok mate.

Out of interest how old was she?
Later

fazersharp

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Re: accident
« Reply #26 on: 14 February 2015, 04:30:30 pm »
Going by the car I would say 28
I don't do rain or threat there of. dry rider only with no shame.

youngsterbiker

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Re: accident
« Reply #27 on: 14 February 2015, 05:04:42 pm »
at a guess id say mid 30 - mid 40

youngsterbiker

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Re: accident
« Reply #28 on: 16 February 2015, 03:43:33 pm »
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.... 

Dave48

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Re: accident
« Reply #29 on: 16 February 2015, 04:45:29 pm »
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.

noggythenog

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Re: accident
« Reply #30 on: 17 February 2015, 07:50:17 am »
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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Deefer666

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Re: accident
« Reply #31 on: 17 February 2015, 08:36:55 am »

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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Gnasher

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Re: accident
« Reply #32 on: 17 February 2015, 08:40:47 am »
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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fazersharp

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Re: accident
« Reply #33 on: 17 February 2015, 09:10:12 am »
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
« Last Edit: 17 February 2015, 09:10:56 am by fazersharp »
I don't do rain or threat there of. dry rider only with no shame.

midden

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Re: accident
« Reply #34 on: 17 February 2015, 09:25:23 am »
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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fazersharp

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Re: accident
« Reply #35 on: 17 February 2015, 09:46:17 am »
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.   

 
I don't do rain or threat there of. dry rider only with no shame.

mtread

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Re: accident
« Reply #36 on: 17 February 2015, 10:51:46 am »
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

darrsi

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Re: accident
« Reply #37 on: 17 February 2015, 11:30:00 am »
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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youngsterbiker

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Re: accident
« Reply #38 on: 17 February 2015, 03:38:07 pm »
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.

rustyrider

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Re: accident
« Reply #39 on: 17 February 2015, 03:44:56 pm »
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.

JoeRock

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Re: accident
« Reply #40 on: 17 February 2015, 04:07:08 pm »
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!

fazersharp

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Re: accident
« Reply #41 on: 17 February 2015, 04:40:43 pm »
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
I don't do rain or threat there of. dry rider only with no shame.

youngsterbiker

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Re: accident
« Reply #42 on: 17 February 2015, 05:36:12 pm »
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 :(

youngsterbiker

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Re: accident
« Reply #43 on: 17 February 2015, 05:39:23 pm »
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...

Gnasher

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Re: accident
« Reply #44 on: 17 February 2015, 06:33:50 pm »
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 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.       
« Last Edit: 17 February 2015, 06:48:33 pm by Gnasher »
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rustyrider

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Re: accident
« Reply #45 on: 17 February 2015, 06:47:03 pm »
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.

Punkstig

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Re: accident
« Reply #46 on: 17 February 2015, 08:54:23 pm »
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!
Some say...

mtread

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Re: accident
« Reply #47 on: 17 February 2015, 09:20:40 pm »
Plus the hire/use of alternative transport up until you get the pay off. Assuming the bike was your only transport, for work etc.

chaz

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Re: accident
« Reply #48 on: 17 February 2015, 09:54:06 pm »
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.

youngsterbiker

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Re: accident
« Reply #49 on: 24 February 2015, 05:06:53 pm »
update: Been offered 2000 told them to add a couple more hundred.... god i hate insurance.