Fractured Spine & Insurance!

[Tricolor Fan]

Lost the back end on gravel (who the idiot who put an access road there) going into a tight corner, and then the bike tried to throw me off like a rag doll, somehow got it back but couldn't do anything else but try and run off the road somewhere safe. A deep grassy verge with some trees was straight ahead, so I though I could bring it home safely.

Didn't go to plan! Taken off the bike via helmet by a tree branch and landed flat on my back on broken concrete where there used to be a marker post or something. Bike only clipped the tree, but flipped over somehow.

Spent around sixteen hours in a collar and stuff lying flat on my back not able to move until a group of consultants decided I had a stable fracture of T6 [edit T4] and major soft tissue bruising around C2-6.

I won't be on a bike for a few months, actually apart from lying, sitting and walking, I'll be doing bugger all for at least the next six weeks.

Bike is remarkably intact, better than if I had totally lost it, but it's a Mito so parts are expensive and every panel has a chip or crack. Probably a write-off.

My insurer eBike (bad rep, I know) are asking if I accept liability, I understand that if more than one person was involved it's an important question, but it was just me, so what do I say

Also they won't tell whether they offer to let me buy back the bike after settlement, 'cause apart from the fairings it'll be good for parts or I could even put it back on the road for 600 or so.

My advice is to wear a good back protector, I had a dainese wave and it saved me from not being able to move from the diaphragm down.

I've got some comments to make on helmets, but I'll save that for later.

[edd]

They have to let you have salvage if you request it, it is your property.
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Bluespark Automotive - Diesel Tuning for Performance and Economy

[Grav]

Welcome to the Spinal Injury club. Dont push your recovery too hard or you will end up doing yourself more harm in the long run. I speak from experience......

I hit a brick wall head first at 30 mph and crushed T7 - T8 and fractured T9. That was 5 years ago and I pushed my recovery way too hard too quickly. It still bloody hurts now.

Listen carefully to your Physiotherapist and just take it one step at a time, you will need to keep to a regular excercise programme and FFS don't do any heavy lifting!

All the best

PS. Lazer helmets are brill.

[Tricolor Fan]

[Tricolor Fan]

[Kickstart]

Hi

Ouch.

The bike is yours. They do not have to let you keep it but the settlement will need to be mutually acceptable, and if you want it then it is easy for them to let you keep it.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[Runaway987]

I thought the point of insurance was that you wreck it or someone else does in a crash then they BUY the wreck off you for whatever you valued it at.

I don't think they have to let you have anything - but I could be wrong.

[iooi]

If no one else is involved, and you did not damage anything other then bike and yourself.
You could simply not claim at all.
Think you would just have to pay fee for transport to hospital... If they still charge you for a RTA.
I assume that you must be FC ins, and guess that they are asking about liability as it will affect payout, if you are saying its someone elses fault then you could be looking a a large payout for injuries, your fault i would guess you get nowt.
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Just because my bike was A DIVVY, does not mean i am......

[Tricolor Fan]

[Rhys]

[Tricolor Fan]

[Tricolor Fan]

[Kickstart]

[AC]

[Phoenix]

Insurance companies have been reducing the number of buy backs for salvage bikes when the claim is paid out, mainly due to a lot of exploitation apparently. However the sure fire way of getting the bike back is just to claim sentimental attachment for whatever reason (your dad gave it for you, or helped you do it up etc) or that it's irreplaceable to you personally despite not being worth much to anyone else.

[Ted]

[Tricolor Fan]

[Tricolor Fan]

[Kickstart]

[Tricolor Fan]

[kitty kat]

hope you mend soon and are pain free as well.

good luck with insurance company, sorry can't offer any advice to you, just wanted to say

GET WELL SOON and a speedy recovery Tricolor Fan
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Enjoy everyday, tell those you love everyday you love them
Life is too short to fall out with people

[splodge]

Get Well Soon, would a back protector be worth having as a precaution for the future

[Tricolor Fan]

[Tricolor Fan]

Well, I think I've got my answer.

eBike are a bunch of cowboys, they claim I refused to get my bike out of storage and that I gave them permission to have it moved to wherever it is now. Maybe a case for the ombudsman?

I have, however, been told that I will not be charged for storage, and I'm getting it in writing!

They will not negotiate a settlement, I will get market value. No possibility of a reduced payout in lieu of damages so I can repair to myself. No possibility of negotiating a lower settlement and retaining salvage rights.

Seems if I want it back I'll have to deal with the salvage company itself - Universal Salvage.

Irrational, I know, but I just want it back!

Time to look for a new GP too, my surgery does not prescribe DHC. Never been happy with them anyway...
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Give me ambiguity or give me something else.

[Grav]