(25-06-17, 08:27 AM)Dave48 link Wrote: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.
I was parked outside the Society for The Blind. Ooohhhhhh the irony!
Though the way be long, let your heart beat strong, keep right on to the end!
(25-06-17, 08:27 AM)Dave48 link Wrote: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.
Kind of what i was thinking.
Breaking it down to bare facts, she hit the stationary bike, it was fine before that, now it isn't.
Of course that's why they're named "accidents", it wasn't deliberate whatsoever, it's just that every now and again shit happens, but in this instance that accident has resulted in damage to someone else's property so she needs to take full responsibility, get things back to the way they were before the accident, and even an apology wouldn't go amiss either for the trouble caused. For instance i really rely on my bike, for daily commuting and also because i'm on call for work every other week. Without the bike i wouldn't be able to be on call so would lose money.
It's just one of life's lessons that she needs to deal with and move on, and maybe pay more attention in the future at where she's aiming her motor.
More people are born because of alcohol than will ever die from it.
(25-06-17, 07:40 AM)darrsi link Wrote: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.
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.
Nothing is foolproof to a sufficiently talented fool.
25-06-17, 09:26 AM (This post was last modified: 25-06-17, 09:43 AM by darrsi.)
(25-06-17, 09:16 AM)SpokesT link Wrote:[quote author=Dave48 link=topic=22795.msg263361#msg263361 date=1498375673]
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.
I was parked outside the Society for The Blind. Ooohhhhhh the irony!
[/quote]
Did her dog run out of the car to see if your bike was okay? :lol
More people are born because of alcohol than will ever die from it.
(25-06-17, 09:25 AM)seangee link Wrote:[quote author=darrsi link=topic=22795.msg263358#msg263358 date=1498372807]
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.
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.
[/quote]
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.
(25-06-17, 09:33 AM)darrsi link Wrote: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.
There is a central claims register they all tap into so you can't hide the claim. The online quoting engines always assume the worst. When I hit diesel on my 10 year old Fazer I had to claim because of the amount of damage I did to the car I slid into. My bike insurance went up to about 800 for 3rd party only. they tried to bump my car premiums (and my wife's) the following year and I had to phone around until I could find a company that would over-ride what the computer said. We both had 9yr + NCB and once I explained that it was a different class of vehicle and what actually happened they accepted it - did need a lot of phone calls though.
No problems with the SMIDSY though. I ended up not claiming as the driver's insurance contacted me and offered to pay. Still shows up on my history but has never affected a quote. Some companies hold it against you for 3 years and some for 5. I agree its best to keep insurance out of it altogether but you should never be penalised for someone else's mistake. SInce he wasn't on the bike it would be pretty hard for her to claim anything other than full responsibility unless the OP was illegally parked.
Nothing is foolproof to a sufficiently talented fool.
That's a point. What about the hire bike she/her insurance will have to pay for while yours is out of action. Nice new MT07 or 09 probably the nearest equivalent :-) The cost of that will shut Daddy up :lol
My monies on it being a 1.4 petrol ...........and if that was my bike i would put an insurance claim in , when stripping down the bike you might find other damage , although at 1500 they will write it off...when i had a low spill on my 600 boxeye repairs came to 500 , insurers were happy with that.....good luck
Assuming it is a straightforward process form now of it being written off with her insurers carrying the cost, what is the process? Do they offer me a fiver and I stroke my beard and say, "make it two grand " and we work towards a figure in a kind of reverse haggle, or do they just state a figure they will not vary and I have to be done with it? How involved do my insurers get in terms of getting me the best deal? I've never had to do any of this in over thirty years of riding or driving, hence picking the brains of the many and varied experts on here. With thanks and appreciation for all the inputs so far.
Though the way be long, let your heart beat strong, keep right on to the end!
Everyone is assuming its her car. Maybe its her mums or even a company car.
Either way, it makes no difference to you Spokes, let the insurance deal with it and be prepared for a low ball offer to start with.
Dig out copies of adverts from Biketrader or similar showing bikes in similar condition and mileage etc to show how much it will cost you to replace with a near identical bike. Thats the figure you aim for.
An assessor should come to look at the bike damage. He'll sent the info with an estimate to the insurers. You will be made an offer. You can refuse the offer and try to get it revised upwards. You should try this as the insurers will try to get away with the least cost to themselves. They are not interested in you. They are just trying to save money.
It is her car. The insurers are representing her, not anyone else with the same surname e.g. Mum or Dad. And it turns out her insurers are MY insurers too! No wonder they called me within minutes of her texting me to tell me she was going down this path. They called me earlier and started talking about settlements, either market value or cash to repair it myself. To that end they are getting a 'motorbike engineer' to call me tomorrow to discuss the itemised damage list I've given them as per the workshop assessment I posted on here, as they 'recognise that older bikes can often be repaired using second hand but still serviceable parts'. Which is all very well, providing such parts exist for sale. They'll also sort me out with a hire bike in the meantime.
Bottom line is my bike will live on, one way or another. Huzzah!
Though the way be long, let your heart beat strong, keep right on to the end!
(26-06-17, 08:29 PM)SpokesT link Wrote:It is her car. The insurers are representing her, not anyone else with the same surname e.g. Mum or Dad. And it turns out her insurers are MY insurers too! No wonder they called me within minutes of her texting me to tell me she was going down this path. They called me earlier and started talking about settlements, either market value or cash to repair it myself. To that end they are getting a 'motorbike engineer' to call me tomorrow to discuss the itemised damage list I've given them as per the workshop assessment I posted on here, as they 'recognise that older bikes can often be repaired using second hand but still serviceable parts'. Which is all very well, providing such parts exist for sale. They'll also sort me out with a hire bike in the meantime.
Bottom line is my bike will live on, one way or another. Huzzah!
Just in case this helps you, even a bit:
Local insurance companies in my country hire real experts to assess the damages. The man should know the prices of 2nd hand parts and repairs. Make sure you are well prepared - with quotes from service shops for installing the parts, as well as with quotes for new parts. The policy is to see if prices of new parts + labour match the write off price. If they do, or exceed the write of price - you get the bike written of, and do with the money as you please - repair, or get another bike (the latter is hardly ever possible for the money you get).
Trying to report some previous damage as the damage resulting from the incident (not even implying you were planing on that, but just in case) usually gets you in trouble for a fraud charge.
Best of luck - hope it all goes well.
Hope you don't get a Honda for a hire bike. :rollin
Most things done in a hurry need to be done again - patiently.
If they are going to repair it, let them worry about where the parts come from. As long as it is as good a condition when you get it back as it was before the accident then its not a worry. after all, the parts that got damaged were not new were they?
As for write off values, as I have said before, have a look at existing adverts for similar age/condition/milage bikes and that is the price you want regardless of how low they value it.
Well this is becoming surreal. Not only am I getting a hire bike, I've just had a call from their tech guy to discuss the estimate for the damage that I presented.
"I've seen your damaged parts list and the quoted cost for effecting the repair and it would put this into the realms of being written off. I understand that you would be willing to accept a cash settlement to keep your bike on the road yourself. Your estimate has the damage at £1487, but we could only offer you...."
>sits back awaiting pi$$taking piddly offer of 50%<
"...£1400 if that's acceptable."
>falls off chair<
It's a good job I'm an atheist or else I'd be wasting the rest of today down at St Ignatius's on my knees ?
Though the way be long, let your heart beat strong, keep right on to the end!
...........and if that was my bike i would put an insurance claim in , when stripping down the bike you might find other damage , although at 1500 they will write it off...when i had a low spill on my 600 boxeye repairs came to 500 , insurers were happy with that.....good luck
and make sure you get a nice hire bike (although nothing's better than a :faz ) and enjoy it
