A lot of the insurance companies claim to use a firm of solicitors who are experts in whatever area. The reality is (I am working with one of the big ones at the moment) that these so called firms of solicitors are actually insurance company employees whose department is known as "XYZ solicitors" to make them sound external and independent.
The sad fact is, if your insurance company insist on you using XYZ solicitors, the only thing they aim for is minimising the insurance company losses and don't give a fec about apportioning blame etc or getting you a fair pay-out.
The sad fact is, if your insurance company insist on you using XYZ solicitors, the only thing they aim for is minimising the insurance company losses and don't give a fec about apportioning blame etc or getting you a fair pay-out.
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amen to that, my lad lost out after a cage incident where two clowns (CNUTS) ripped the arse outta the insurance with whipcash when they're was foc all wrong with them.........our insurer played the loss game and said cheaper to pay them out than fight it in court, my lads not had insurance since as he got rid of the car and now has a company van but would've been interesting to see what we would have had to say when the renewal came in and it asks if you've had an accident in the last **** years
I don't know who's the worst, insurers or the scammers.....ggggrrrr
Not sure I'd even go with 'filtering' since it looks like you wasn't riding between two lines of cars. So you were actually overtaking slower moving traffic and between the car and crossed area.
Women have chocolate men have bikes.....
including ones who like chocolate....
harry hornby.....I had to do somrthing matey after missing lofo's trip to Eastbourne :lol
to set the record straight, I wasn't riding in the cross hatchings the impact pushed me there, just visable in the pictures on the left is an entrance/exit to a car park, immediately after a pedestrian crossing controlled by traffic lights with zig zags, had I got passed mrs smidsy i would have followed the traffic untill clear of both hazzards before filtering/overtaking again, its a very busy place at 6 in the evening, not worth taking the risk........this is my work route that ive been using for 18 years, i know it well, but people still surprise me :eek
So.been on the blower today, phoned my insurers, hastings, and told them what happened, took note of all the details and said because iam TPF+T I would have to make a claim myself or hire some sort of accident claim people to do it for me.......mmmmm
Ok, ill phone them myself, :rolleyes...get through to liverpool Victoria, explained what happened, again :rolleyes..got put on hold for the entire lenght of "the beach boys,20 golden greats" :rolleyes...and they tell me that mrs smidsy has been in contact and started things moving........then out of nowhere they say, we will pay for the repairs, couldn't believe what I was hearing,..... :woot :woot :woot.......shame hastings weren't as helpfull........so , as lv are not really bike people they have asked me to choose a garage and get a quote,3 possibles near me....main dealer, independent and a guy who used to work at main dealer but has now set up on his own, nice guy known him for years and he rides a fazer .........but, he dos'nt work Wednesdays, phoned the independent but they dont do insurance jobbies any more as it takes too long to get paid, droped in to steelers on the way home , said they could do a quote but it would come close to being written off.......left a message with the guy whos just set up on his own and all being well will take the bike upto him on friday.............so.not a bad day and no falling over today :lol
off to the garage to check the old girl out, update later
Blooming 'eck, an insurance company ofering to hand over money without a fight... top work, Paul!
Could you get them to quote for new chain and sprockets on "your" red and black box eye, oh and while you're at it, I could do with some new downpipes too sorry I mean didn't she damage your downpipes and they need replacing? Worth an ask! :evil
Money doesn't buy happiness, but it buys beer, and that helps!
yep.surprised me too....been offered help with personal injury claim and offered a load bike.....checked bike over last night and ive not got too much damage,biggest issue is the fairing,indicator has been pushed through and cracked it,no bits missing so might be repairable,needs new brake lever,scrape on foot peg and exhaust can and a few other minor marks...phoning round today to see if i can get it booked in for an estimate...
seriously though, keep all receipts for buses/taxis etc as you can claim these expenses back, also look at claiming for loss of time (I heard this on the radio this morning on Sorry mate advert of all places.......and no.......I don't work for them or get any commission off them, just a coincidence I mentioned them earlier :rolleyes)
they were saying that the journey that usually took you 30 mins on the bike is now 90 mins due to public transport.....you can claim for that!!
(18-06-15, 10:04 AM)maddog04 link Wrote: haven't you got whipcash too :lol
seriously though, keep all receipts for buses/taxis etc as you can claim these expenses back, also look at claiming for loss of time (I heard this on the radio this morning on Sorry mate advert of all places.......and no.......I don't work for them or get any commission off them, just a coincidence I mentioned them earlier :rolleyes )
they were saying that the journey that usually took you 30 mins on the bike is now 90 mins due to public transport.....you can claim for that!!
Didn't you suffer from a lack of sex drive as a result of the severe shock from the accident, which in turn put a strain on your relationship with the Mrs................. :tape
Those are my principles...if you don't like them I have others.
18-06-15, 07:49 PM (This post was last modified: 18-06-15, 08:27 PM by red98.)
Ok...making progress, got a quote today from the ex yam dealer mechanic/parts man who now runs his own garage.....known him for years and his very good at his job :thumbup.....main damage is the fairing, cracked where the indicator has pushed through....we have not listed everything as the insurance company would write it off .eg...one of the fork bottoms has a shallow scrape, looks worse than it is, its also pitted from winter riding, I was planing on polishing them up and clear coating them anyway so we left this, a very small scrape on the end can, on the underside and hard to see a good clean
will make it look better and I do have a spare somewhere so this was also left off......ive only just looked at this quote and am surprised at the price of the fairing...thought they were a lot more ......
Top result Red......will it bother you that the bike has had a fall though...is it the sort of thing that would annoy you.....she was such a clean example.
the fairings came up a while back ....it was a typo on one of the supplier sites that was saying a few hundred quid and it had been putting folk off for years only for it to be recently discovered they were actually much cheaper.....would have had one on my 600 if id realised at the time.
Easiest way to go fast........don't buy a blue bike
hi nogs....didn`t see that about the fairings,bargain in my eyes
yep , shame about the off,there is a few very minor scrapes that ive not put on the estimate,it is an 17 year old bike after all,ive looked after it in the 14/15 years ive owned it but ive also used it,41000 miles ,9 when i bought it.....the fairing is the bit i want repaired the other bits and bobs i can do,no rush....the fork bottoms is a good example...it has a small graze but it also has pitting from winter riding,both not bad and easily fettled...will do this myself...bike still looks tidy and a keeper
just sent the quote to LIVERPOOL VICTORIA i`ll`update when i get their reply....i do have a plan B
[/size][size=78%]i must say...ive had excellent service from LV ,accident on tuesday and the estimate forwarded on thursday,thats quick,LV is mrs SMIDSY`s insurers iam with hastings TPF+T so doing the leg work myself...lets hope progress keeps.....progressing [/size] :lol [/size][size=78%] [/size]
Hey red sorry I've been out of the loop so missed the start of the thread. Hope your ok now and sounds like the bikes not to bad. Have to get the mighty thou sorted now mate.
You might be about this wrong mate - when I had my accident on my hornet 600 we got the bike written off and paid for (long as its a decent value) - buy the bike back for a couple hundred quid, get it repaired and you'll probably have some money left over.
My hornet for example all the fairings got damaged so was a write-off as new parts were horrifically expensive, I got about £2k for the bike, bought it back for £300 odd, spent about £3-400 getting everything repaired and sprayed up and ended up with about £1k left over!
(18-06-15, 08:53 PM)noggythenog link Wrote: Top result Red......will it bother you that the bike has had a fall though...is it the sort of thing that would annoy you.....she was such a clean example.
the fairings came up a while back ....it was a typo on one of the supplier sites that was saying a few hundred quid and it had been putting folk off for years only for it to be recently discovered they were actually much cheaper.....would have had one on my 600 if id realised at the time.
Fairings did used to be £450-500 odd, however they came down to a lot around 1.5 years ago. FWIW didn't realise the decals have come down in price too. Last time I checked they were about £35 each side.
With regards to writing off, they won't normally do this unless the damage is more than 60% of the bikes value. However, by arguing the bikes value a bit, and giving them a dump of autotrader prices of Fazer's, you can usually negotiate the value up to something respectable. For current claim, they've got my '03 FZS600 down as worth £2200. They're still Cat-D'ing it, with a buy back price of £550.
(17-06-15, 07:33 PM)red98 link Wrote: So.been on the blower today, phoned my insurers, hastings, and told them what happened, took note of all the details and said because iam TPF+T I would have to make a claim myself or hire some sort of accident claim people to do it for me.
Er lazy f**ks, that's complete bollox. By law its their responsibility, check with the motor insurance bureau.
That said I have always dealt with claims myself as 1. you skip a lot of BS/red tape, 2. its faster a lot of the time because you cut out the middle man and 3. you can negotiate directly with the claims engineer from the other ins co. etc.
Just out of interest on the question of admitting liability in accidents, if the driver were to say 'Sorry I didn't see you' as opposed to just 'I didn't see you', could that be interpreted as an admission of liability??.
