advise after crash please?

[SVhovis650s]

mods, if this is in the wrong place feel free to move it?


right, i had a little crash into a car (merc A- class), it was a single file bridge, there was already bikes on the bridge so i was following flowing traffic,
when a car came onto the bridge giving me no option but to hit him.

the damage done to the car is all up the drivers side mainly little dents & scratches

the damage to my bike is cosmetic (scratched fairings & a cracked screen scuffed crash bungs) & since the crash its picked up an intermitant starting problem. its 8 years old & although it was mint b4 this it still looks ok to me

i can fix the bike myself for less than £50 but i have a £ 300 exses

& dont know weather to claim for my bike or not

a few people that were there (including a copper) said it might go knock for knock
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Oh, what sad times are these when passing ruffians can say Ni at will to old ladies. There is a pestilence upon this land, nothing is sacred. Even those who arrange and design shrubberies are under considerable economic stress in this period in history.

[GodzGift]

So to claim for £50 pounds of damages you would have to pay 300. correct me if I am wrong but surely that is not worth it. I suppose the driver of the car will claim from your insurers regardless.

If you make a claim, as well as paying the excess your insurance will go up next year. It will anyways but this way you would have not made a claim.
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Bike Level: Amateur | CBT Passed

[Ste]

What type of insurance do you have? The excess would only come into play if you've got fully comp insurance and so are claiming from your own policy. If the crash was the fault of the driver then you'd be claiming from their insurance and there wouldn't be any excess payable.

If getting it repaired by claiming from their insurance then it would be done to get the bike to the state it was prior to the crash, so all fairings replaced etc etc etc and the bill would be a fair bit more than the £50 if doing a DIY fix it up job.

You should report the accident to your insurance company so that they've heard your side of what happened before they receive letters from the car drivers insurance. If the crash was the other drivers fault in your opinion then you'd be best off speaking with solicitors who specialise in motorcycle accidents. There's hundreds of no win no fee companies to choose from but one that have expertise in bikes would be better.

Did you get contact details for the witnesses?

[Chriss]

Hi, for the way it'd affect your premiums, I'd go with just fix it yourself.

Even if it does go non-fault, a couple more (who knows what's round the next corner) and your insurance will be affected.

Better if you can contact the driver and say "Let's not involve insurance companies, call it £50 and I'll stay hush."

Other than that, if you did want to claim then ensure you have witnesses.
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TheShaggyDA: I've got 3 or 4 pairs that predate my wife, so at least 11.5 years old.

[Grubby]

Go down your local breakers & get the bits for less than the money you'd spend on your excess.
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I am me & you are he & we are all together. See how they run like pigs from a gun!

[SVhovis650s]

all i need is a screen (£30)

the paint is scratched in a few places, but i will just touch it up.

i was thinking if it is the car drivers fault it would be ok to claim, but if it ends up being my fault or knock for knock, its going to cost me alot more by claiming

this is my 1st accident & im not sure how these things tend to work out, so sorry if im comming accross a bit thick.......... but i am
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Oh, what sad times are these when passing ruffians can say Ni at will to old ladies. There is a pestilence upon this land, nothing is sacred. Even those who arrange and design shrubberies are under considerable economic stress in this period in history.

[iooi]

You are already going to get hit with a ins hike anyway as the A class will not be a cheap fix.....

But your biggest worry could be that your bike will be written off due the the proper cost of the repairs.
You are going ot have to speak to your ins anyway, so the ball is really in your court as to whether you want to add your bike into the cost of the bill.
I think if it was me i would claim. If it is a write off you can always buy it back, and its not going to affect the loading on your ins next year as that A class will mess that up.
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Just because my bike was A DIVVY, does not mean i am......

[Chriss]

Just to confirm something, are you TP/FT or fully Comp, and was there any real damage to the A-Class, will he be claiming?
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TheShaggyDA: I've got 3 or 4 pairs that predate my wife, so at least 11.5 years old.

[SVhovis650s]

im fully comp


the merc
https://i91.photobucket.com/albums/k295/hovi5/NorthSouth_rideout41.jpg

https://i91.photobucket.com/albums/k295/hovi5/NorthSouth_rideout46.jpg
this is about the worst of the damage to my bike
https://i91.photobucket.com/albums/k295/hovi5/dcp_0016.jpg
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Oh, what sad times are these when passing ruffians can say Ni at will to old ladies. There is a pestilence upon this land, nothing is sacred. Even those who arrange and design shrubberies are under considerable economic stress in this period in history.

[yambabe]

You put those dents and scratches in the Merc? Holy shit.......

We need a paint diagram here, who had right-of-way on this bridge? Unless they are totally in the wrong (and the policeman at the scene didn't say so did he?) there is no chance that they will not be wanting to claim for that, I reckon at least £1200 damage there.

Get onto your insurance co and if you have legal protection use it to speak to a solicitor who is a bike claim psecialist. Explain honestly what happened and see what they say, they will have a good idea if you will be found to be at fault or not.
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Sod falling in love, I wanna fall in chocolate.

[Chriss]

You might as well claim mate, at the end of the day, if you do lose, he'll be claiming off your insurance, if you don't, you'll be claiming of his, and if it goes anywhere between, 75/25, 50/50 etc then you'll both be lose out as both being put at fault (both claim off each others).
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TheShaggyDA: I've got 3 or 4 pairs that predate my wife, so at least 11.5 years old.

[iooi]

[SVhovis650s]

there was no signs or road markings on the bridge, i think as there were bikes already on the bridge in front of me......... i have right of way?
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Oh, what sad times are these when passing ruffians can say Ni at will to old ladies. There is a pestilence upon this land, nothing is sacred. Even those who arrange and design shrubberies are under considerable economic stress in this period in history.

[iooi]

If no signs then he should have given way to anything already on the bridge. Bet he thought there was enough room for both of you...

But as the police man said this is going 50/50 unless some independent witness could say that you were already on the bridge and he caused the crunch by not giving way.
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Just because my bike was A DIVVY, does not mean i am......

[yambabe]